BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Yhis Company has called and called and called and We are sick and tried of being harrased by their calls at latet hours and early hours. When a class action suit is brought against them I want to be part of that class action suit! I do believe they are going by our last name and conffusing us with others in my Family.

Pleas shut this company down and all other that are out to harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I owed a debt in the amount of {$32000.00} for an installment loan entered into by contract on XX/XX/2016. The loan was subsequently charged off. XXXX XXXX XXXX purchased the debt, which was recently posted to my credit report through XXXX XXXX. Prior to the posting, I was contacted by a collection agency regarding the debt. As a judgment regarding said debt had not been obtained against me in a court of law, I requested validaion. The debt collector could not provide me with a signed contract or any proof that I owed the debt. Subsequently, XXXX. XXXX, wrongfully and in reckless disregard of the facts, added a collection account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019, I unfortunately opened an account with XXXX at their store in XXXX, FL with a dishonest sales rep by the last name of XXXX. He falsely opened and set up my account, unknowingly to me as a business account. He stated I was getting services for about {$100.00} a month and a FREE XXXX. I ended up having a first bill for over {$200.00}. XXXX has sent my account to SUNRISE CREDIT SERVICES for {$520.00}. This is the SECOND debt collection agency they have sent my account to. In XX/XX/2019, a store manager said he would " fix '' the charges on my account. The service was terrible so I ended up transferring back to XXXX. I WANT THIS DEBT CLEARED OFF MY CREDIT REPORTS BECAUSE IT WAS FALSE AND DISHONEST BY A XXXX EMPLOYEE.

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 2020-12-12
Company: EQUIFAX, INC.
State: CA
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 disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the Equifax date breach. Please resolve this in a timely matter. I will be attaching my original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Self Financial Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: VT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a fire in XX/XX/XXXX. My insurance company sent me the check to fix the damage in XX/XX/XXXX. I mailed the check to the mortgage company Lakeview Loancare in XX/XX/XXXX. 

It is XX/XX/XXXX and the mortgage company refuses to release my funds to my contractors. 

They also refuse to put in writing what is necessary for me to do to have those funds released. They refuse to email me what needs to be done to release the funds. When I call them they place me on hold and then hang up the phone. I have asked to speak to a manager and the person says no and hangs up 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 explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 have never opened an account with XXXX XXXX. I have never signed a contract with 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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the MODPED partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-08-29
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX - XXXX XXXX  # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
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:
LETTER IS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX Ameri Save XXXX GA CFPB Complaint Id : XXXX THIS IS A FURTHER FOLLOW UP FOR MUST REMOVE / XXXX  OF EXCESSIVE INQURIES RAN ON MY ACCOUNT EXCESSIVE, UNAUTHORIZED, UNAPPROVED, HARD INQIRIES ON MY CREDIT ACCOUNT IMMEDIATE REMOVAL / XXXX  REQUIRED EXCESSIVE, UNAUTHORIZED, UNAPPROVED HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : SPOKE WITH XXXX XXXX AND XXXX ALSO AGREED THAT INQUIRIES ARE EXCESSIVE RAN AND I NEED TO HAVE AMERI SAVE COOPERATE TO REMOVE/XXXX XX/XX/XXXX XX/XX/XXXX COMPLAINT AND FOLLOW UP : XXXX. 
XX/XX/XXXX through XXXX CFPB Complaint ID : XXXX XXXX. 
XX/XX/XXXX XXXX TO Ameri Save 3. 
XX/XX/XXXX XXXX TO Ameri Save 4. 
XX/XX/XXXX VIA CFPB SUBMITTED FEED BACK YOUR COOPERATION TO REMOVE / XXXX XXXXS REQUIRED NOW

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan Care simply decided to break the law by not completing my required 1098. I have not seen such blatant XXXX misconduct since former XXXX XXXX incited an insurrection.

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 2020-11-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent charges made on 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 2021-04-08
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter from CREDIT COLLECTION SERVICES dated XX/XX/2021. It states that I owed a debt in the amount of {$640.00} and that they were attempting to collect on it. I have no contract with CREDIT COLLECTION SERVICES and only know of them based on the correspondence that they sent to my address. I sent a letter to them on XX/XX/2021 in order to have them verify the debt that they are attempting to collect on. They have failed to respond to the correspondence I sent to them. The debt that they are attempting to collect on is secondary to a doctor visit that I had. According to the XXXX XXXX XXXX and Accountability Act ( HIPAA ) it is illegal for any form of health information to be shared with a third party without consent. CREDIT COLLECTION SERVICES has not provided the authority that allows them to contact me in reference to a debt in secondary to my medical services. I have provided copies of the correspondence sent by CREDIT COLLECTION SERVICES and the letter I sent them with this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Personal information incorrect

Complaint:
contacted TRANSUNION 10 TIMES BY PHONE AND BY FAX TO GET MY NAME RIGHT THEY SEEM TO NOT BE ABLE TO GET IT RIGHT My name is XXXX XXXX XXXX XXXX just that name may be you can get them to get it right 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 explanation
Consumer complaint received 2020-09-04
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received mail at my address. Never received an email or phone call. Never entered an agreement with this company. I do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to change my flight with the airline. I contacted the customer service department and was put on hold for an hour without anyone helping me. I disputed the charge with the credit card company and was refunded the money. The airline decided to respond to the claim AFTER the trip was scheduled and the credit card charged my account again. This is very deceptive. I should not have been refunded the money only to be charged AFTER the flights were to take place.

Document attached is what was sent to me by the back. It states I was a no show. I was refunded the money therefore I didn't think it was legal for me to use the ticket. I would have been stealing from the 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 2018-10-13
Company: EQUIFAX, INC.
State: TX
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: Personal information incorrect

Complaint:
I have contacted Equifax 10 times by fax and by phone to correct my personal information { 1 } My name XXXX XXXX XXXX XXXX thats it nothing else. they have goverment I D 2 of them to prove its me Next for safty its addresss they keep listing XXXX XXXX XXXX  XXXX Ca I never lived there. next one is XXXX XXXX XXXX XXXX Ca Never lived there. I have5 inquires that I did not make I have had identity theft XXXX, XXXX, XXXX, XXXX Again, XXXX I did not make these They have copy of police reports all the way from 2008 remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, my small business account at Wells Fargo received a wire transfer of approximately {$31000.00}. I then used these funds to complete a purchase for the customer. On XX/XX/2021, Wells Fargo debited my account, emptied out all the funds, without my knowledge or consent. If they had any doubts, they could have contacted me when the funds were received. Having the wrong account name but the correct account number, is not a reason for them to return the funds without contacting me, or obtaining my debit authorization. 

Under Uniform Commercial Code 4-A-207, if a beneficiary 's name does not match the account number provided on a payment order received by the beneficiary bank, and " the beneficiary bank does not know that the name and number refer to different persons, it may rely on the number as the proper identification of the beneficiary of the order. The beneficiary 's bank need not determine whether the name and number refer to the same person ''. 

In Wells Fargo Wire Transfer agreement, " if a wire transfer request describes the person to receive the wire transfer ( the " beneficiary '' ) inconsistently by name and account number, the wire transfer may be made on the basis of the account number, even if the account number identifies a person different from the Beneficiary. If a wire transfer request describes a financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification.

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 2019-08-29
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I  responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX  owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX  XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made several complaints with your company, Consumer Financial Protection Bureau. I am not satisfied with the way things have been handled. Complaint # : XXXX and XXXX. 

Chase Mortgage has stated that they have gone back and research their records. How can the target, Chase, check their own records. They should not research the records. We need a higher authority to audit Chase Mortgage. An uninterested party should be able to come in an audit Chase Mortgage. 

Chase Mortgage illegally foreclosed on my property while the loan was under consideration for a loan modification.

Company response to consumer: Closed with explanation