BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate  notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

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 2018-09-23
Company: EQUIFAX, INC.
State: TX
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:
I had identity theft problem with my account and for some reason when I move I never did receive the credit card I applied for and now looking at my report I have inquiries that I did not authorize and I have no knowledge of so I reported that to the credit bureau and they refused to move remove the inquiry after I told him that it was identity theft they have all the paperwork on file to show proof but they still refuse to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted an offer on the home for a short pay because the home is an underwater loan. I offered to pay the note holder the FULL amount of the appraisal on the property. I've sent letter since last year letting them know I was in financial XXXX and that it was getting harder and harder to pay the mortgage. I was choosing between paying for the home or food on the table. Finally I had to stop paying on the home because the payment was to much. However, if they would have worked with me I have a loan secured to pay the amount I offered which is the appraisal amount. This seems like a good solution to me since it would benefit both parties. I wouldn't lose my home and the note holder wouldn't incur foreclosure fees. I have a loan secured until XX/XX/2021 to take care of this and have told this company numerous times I need to know if this can happen before this date or I will lose my home. I have worked since I was XXXX XXXX XXXX, always had a job and raised XXXX kids. This company is determined to see me lose my home and if it wouldn't have been for this pandemic I don't think this would have ever happen. My whole family had XXXX and we have struggled with the virus and financial problems since the start but I held on as long as I could and instead of helping me retain my home this company would rather see me lose it. I have even told them I have a XXXX son but does that matter. It a sad day in this country when a XXXX dollar company would see a family lose everything it has worked for instead of helping them. I have paid more so much in interest on this loan it's done paid for the money borrowed and then some but XXXX is the new Normal in our country. 
It's not about helping the person that has worked hard all their life. Or to the family that whose husband served in the XXXX to defend their freedoms so they could take advantage of people like me. This company is all about taking and taking!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX , XXXX XXXX Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX , XXXX collecting on behalf of Pendrick Capital Partners   stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account had been closed and Paid. I am receiving notices after four years about the balance. This is a closed account and still shows on my credit report. Closed XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ALLY FINANCIAL INC.
State: IL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2018-09-23
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 contacted XXXX  and Equifax in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the XXXX  and Equifax and that I needed to send an authorization letter to XXXX  and Equifax. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted XXXX  and Equifax and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have contacted XXXX XXXX  XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Transunion credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}

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 2018-09-23
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX on two separate occassion asking them to validate a debt that they claimed belonged to me. This last letter I sent out to them was sent out around XX/XX/XXXX I sent out yet another letter to the credit reporting agency and a letter to XXXX  XXXX XXXX asking them to validate the debt. What they sent to me is a bill on their letter head with my name XXXX XXXX as being the patient along with the dates of service and the amount due. But the actual bill was addressed to XXXX XXXX. They said that they believe that the bill is valid yet they did not send me anything from the company itself. If they are legally able to collect on this debt then they should be able to validate the date with more than an amount and a bill with two different name on it I have been the victim of fraud and I am very careful as to anything on my credit report that seems suspicious

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a check for XXXX from XXXX XXXX XXXX XXXX Consent Order QSF Settlement agreement/Tracking number XXXX XXXX/Loan number XXXX. Deposit was made into Wells Fargo XXXX XXXX 2021 and funds were made available the next business day. Wells Fargo then reversed the deposit mid-day and placed a XXXX day hold on on the check, which caused our account to be overdrawn {$1800.00}. I verified with the drawee bank, XXXX XXXX, that sufficient funds existed to pay the check and I verified with XXXX that the check was cashed on XX/XX/2021, since Wells Fargo indicated there was something with the maker of the check ( a national mortgage company ) Wells Fargo still has not released our funds. Wells Fargo is not a good bank.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2021-01-25
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: Account information incorrect

Complaint:
I have been contacting XXXX, equifax and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...

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 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking 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