BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Commonwealth Rep ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
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 2023-07-19
Company: Nicholas Financial 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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions 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:
I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid 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 explanation
Consumer complaint received 2023-08-24
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: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-06-09
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: Information belongs to someone else

Complaint:
There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX/XXXX XXXX- XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXXN- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXXXXXX XXXX Claims true identity fraud/account fraudulently opened

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 2019-11-21
Company: Northeast Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Company nrs medation called me first then and then called my Uncle reporting they was going to file a judgement on me in XXXX XXXX.i have both voicemails from my uncle and me from XXXX XXXX XXXX. Which i try to settle made payment lied and said i didnt try to pay sent them my banks states and still lied..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BANK OF THE WEST
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I sent a cashiers check to Bank of the West via XXXX  XXXX ( tracking # XXXX ) to payoff my boat loan. The check was received and signed for at XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, my payoff still has not been applied to my loan. I have called the bank numerous times and was told the payment was reversed, but they dont know why. On XX/XX/XXXX, I was told that the representative entered a research request that has a 5 business day turnaround. I asked to speak with a manager who told me that he was escalating my issue and a representative would reach out to me in 24 to 48 hours, but no one has reached out to me and it is beyond 48 hours. 

I contacted XXXX XXXX ( the issuer of the cashiers check ) and confirmed that the check has not been presented for payment. Once again, I contacted Bank of the West to try to find my check and I was told that the representative thinks the check is being returned to me because the amount of the check exceeded the payoff. I can not get anyone to tell me the status of the check. 

I sold my boat and this cashiers check was purchased by the buyer of the boat. He is in possession of my boat, but is unable to register it because of this issue. I can not get these people to do anything to help me get this resolved. Furthermore, each time I call, I wait on hold for a minimum of 30 minutes to speak with someone. I am fed up.

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 2023-05-01
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, this is invalid late payment for XX/XX/2018 on two accounts, If you can not supply this delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an account with PayPal. I have been trying to withdraw approximately {$13000.00} from that account back to my linked accounts with two major XXXX XXXX from which I made the initials transfers into the PayPal account. Neither the mobile application or PayPal 's website is allowing the transfer due to systems issues. I have even tried to withdraw the funds by requesting a check to be mailed to my residence. That functionality is disabled as well. I have reached out and have spoken with a PayPal representative. The representative acknowledged the technical problems PayPal was experiencing and advised that the issue should be resolved within 48 hours. I asked if the representative can process the check to me after having verified my identity, and her response that she does not have the systems capability to manually process that request. 
Unfortunately, the issue was not resolved within the promised timeframe. In sum, my money has been stuck with PayPal for several weeks and I am being forced to incur finance charges on a credit card that I wish to pay off from the proceeds from my PayPal account. No company handling consumer funds should operate in this way - that is, to offer no avenue to withdraw the consumer 's money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was denied online access to the tax forms for my mortgage account. When I contacted Fifth Third bank, they said the reason was I'm listed as a 2nd signer on the loan, after my son. They would only grant online access to tax forms only to the primary signer ( my son ) and not to a secondary signer like myself. My son had never registered for an online account with Fifth Third. I'm the one who had registered for the online account and I've been paying the mortgage monthly. 

They said they can mail the requested tax form to me, so implicitly they acknowledged that I can have access to the tax form. The bank just arbitrarily decided to not allow me to access the forms online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Please be advised that I contact Capital One I formi g my acct not being reported in the month of XX/XX/2018. my Capital one acct ending in XXXX has not been report correctly by XXXX since XX/XX/2018.. This is cause my credit score to be lower. And my credit limit has been increased by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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

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 2018-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been working with Equifax credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from Equifax, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with Equifax. Everything has been removed from XXXX, XXXX several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law. 

1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me. 

2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts. 

3. I didnt receive notices prior and right before the repossession.

4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law. 

5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession. 

6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it. 

7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction. 

8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check. 

9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle. 

10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know. 

11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CITIZENS FINANCIAL GROUP, 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:
I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with experian there is a collection for $XXXX and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureausI am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.

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 2018-02-28
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-05-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid. 

Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.

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