BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Resurgent Receivables LLC, and XXXX XXXX XXXX XXXX XXXX XXXX 

I received your letter at my address dated on XX/XX//2022.

However, I h

ave two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an account that was t XXXX XXXX, and appear that it was sold to Santander Bank, when I filed a Chapter XXXX Bankruptcy, they tried to collect a balance that was fraudulently as this was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX   I opened a money market savings acct. No service fees with a small interest payment per month. The last statement I received from Key Bank was   XXXX   XXXX   Key Bank made the account dormant since there was n't activity, they stopped sending statements,  Key  Bank did not issue me  XXXX   XXXX  statements for the income. I found my check book and created a login to find out what happened to the account. It was still active and  Key  Bank started charging the account a {$18.00} monthly maintenance charge. I went to Key Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , OH today (  X/XX/XX  ) and asked for a refund from  XXXX   XXXX . He was annoyed he had to talk to me since it was almost closing time and he was " busy '' he said he still had  XXXX  calls before he could help me. I waited. He was upset that the number was so old and he did n't recognize it. He has worked there over 20 years.   XXXX   would not refund my money and said it was part of the original paperwork I signed when I opened the account. The fee was n't charged for 5 years.  Key Bank  never sent me updated terms on the account, monthly statements for the account or the  XXXX  forms for tax purposes. They withdrew a total of {$660.00} that was unauthorized. I feel Key Bank was hiding the account, it had {$3200.00} in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XXXX 2017, fraudulent charges were made on my Wells Fargo credit card. I disputed these charges to Wells Fargo and was successful in having some removed. However, Wells Fargo has refused to remove a significant portion of the charges, claiming that the signature on the receipts matches the signature they have on file for me. First, when stolen, my card contained my signature -- a signature that even a child could replicate. Second, the signatures are NOT the same. Third, this is the ONLY " proof '' they are going by. The proof is cryptic, vague and inconclusive. Wells Fargo is handing their hat on it to avoid liability, despite touting a zero liability protection benefit. Also, I requested the documentation for the charges they DID remove and they have not provided them to me. 

I disputed these charges in accordance with Fair Credit Billing Act. Not only does Wells Fargo itself promote " zero liability '' protection, the FCBA also affords me similar protection. If all it takes is for a fraudster to create a " similar '' simple signature, the " protection '' is illusory. 

I demand further proof other than a claim that the signatures appear similar. 

I have hired an attorney and the attorney received the same unacceptable generic, unresearched response.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 2022-09-01
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX bought my loan and my first payment was to be in XXXX. They reported two late payments in a row to all three credit agencies and one of them was even for XXXX. When I initially disputed this and said it was paid they refused to fix it. It took almost two months. There was only one late payment at first then they added another one during the process. They eventually took it off but massive damage has been done to credit that can not be reversed. My XXXX card was closed when Im in the midddle of remolding my house, other cards lowered my credit limit. My score dropped over 100 points even after they fixed it its still almost down 100 points from there negligence. Now I cant get Heloc, a refinance, or a new card to help cover the cost of the massive repairs of this house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continues to report negative information status on this account. I have disputed this account with Transunion, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.

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 2017-04-10
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In repaying my student loan based on an income-based repayment plan, I received information from Navient about the renewal processes only through an email with an obscure subject line and with no information providing the date by which I should request renewal and what the consequences were of a late renewal request. As a result, the benefit lapsed, and resulted in the capitalization of USD XXXX in interest added to the principle of the loan, increasing the amount I will ultimately have to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2022-03-06
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We recently moved into a new house and as part of the mortgage process I subscribed to XXXX regarding my credit rating. Nearly ten years ago I became quite ill and needless to say my credit report has reflected the unsavory chain of events.

I was able to get a mortgage but through the process, the XXXX report shows six ( 6 ) delinquent accounts with the XXXX Hospital totaling {$1300.00}. Although I have no recollection of receiving these bills, I must request a debt validation and verification letter confirming details of the debt. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There's an ongoing violation of RETALIATION of XXXX XXXX XXXX XXXX XXXX  USING MY XXXX XXXX UNAUTHORIZED THAT MY RIGHTS ARE FORFEIT AND MANIPULATE D

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 2022-09-01
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the FTC about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX   {$11000.00} Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX 4 ) XXXX   XXXX  XXXX {$240.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-08-06
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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXXr {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  {$240.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on forbearance for a loan on a rental property in Hawaii. I received both calls and letters asking if I wanted to extend the forbearance, apply for deferral or pay the amount in forbearance in full. I let Loan Depot know I would not extend the forbearance and wanted to pay the deferred amount in full. I wanted to make the full amount owed in one payment but was told the amount was too large to pay all at once, it would have to be split into 3 equal sums and paid on three different days. After establishing the payment plan I received a call from collections and we went over the payment structure in full and I was advised by the collections rep at that time that once those three payments were received the account would be brought current through the XX/XX/2021 payment with everything account for to the penny. I follow up with the bank around XX/XX/2021 and am told the money was misapplied but the problem would be immediately rectified. I call back on XX/XX/2021 and the rep initially tells me I owe $ XXXX. I let him know he's not right. He looks over the account and then tells me I owe {$2200.00}. I let him know that's not right either. He states monies are misapplied and he can't determine how to get the dollars to match. He then states he's having system issues and can no longer help me, that I would need to call back. I stated I needed him to get someone to fix the problem and call me back. He said he would ask if that could be done but wasn't sure. So, Loan Depot has all of the money to bring the account current, has misapplied the monies, and refuses to remedy the problem in a quick and efficient manner. I have now started receiving default letters from Loan Depot and consider this harassment since they have all the monies needed to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Ad Astra Recovery Services Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the XXXX major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I am making a complaint against the three Consumer Credit Reporting Companies XXXX, XXXX, TransUnion & FICO for credit reporting description and for reporting my credit report low because I am a XXXX XXXX XXXX  Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and Credit XXXX against 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