BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: PLANET HOME LENDING, LLC
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:
In XXXX 2020, I received a collection letter from this company or bank. After receiving it, take a few days to write them a letter requesting the following : 1- Who were they?

2- Why were they charging me a mortgage?

3- I had never signed any document with them.

4- I have not taken any loan with Planet Home Lending 5- I have never made any type of loan with them, collateral or refinancing.

5- If my signature appears on your documents, it was forgery and identity theft in the same way that happened with XXXX XXXX  and the XXXX XXXX justice ignored it. Therefore went to the federal authorities and reported what happened with the corresponding documentation with a large number of signatures under my name that were not my own. In addition, differences in the amount of the balances in the mortgage loan made with XXXX XXXX. 
Therefore, I, XXXX XXXX XXXX, have never signed any loan with these people. The letter I sent them was never answered and at this time this loan appears on all three credit reports, XXXX, XXXX, and XXXX so your intervention is required. Also, as you can see, one of the details of the report is that 100 % of the loan was paid. Therefore, I have never taken any loan, much less a signature with my name should appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Better Mortgage, 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:
I completed a soft inquiry pre approval with better mortgage. They instead ran a hard credit inquiry and have denied it. I verified with XXXX and XXXX that they not only ran a hard credit pull on XX/XX/XXXX they also pulled a second hard credit pull on XX/XX/XXXX. I never received a 30 year loan estimate and never gave authorization to proceed in the loan process. XXXX will only talk to me by email and want paper documentation of the hard pull. I provided a screenshot of my experian and they still denied the hard pull ( s ). XXXX is willing to do a 3 way call to vouch on my behalf because they can not issue paper documentation directly to me- but when we waited on hold with better mortgage XXXX refused to come to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank manipulated input values to deny loan modifications under XXXX. My report proves it.

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 2016-08-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Santander Bank failed to settle Federal Complaint under The Consumer Credit Protection Act in connection with vi0latioin of The Fair Credit Report Act by Santander Bank. Santander Bank wrongful course of action Is as stated be unfair billing, not providing license to collect a debt, and not providing a validate OMB control number under the Paper reduction Act of 1995. Escrow account is increasing at the same time the payments for the mortgage are increasing.

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
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2020-08-11
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a XXXX collection account to XXXX & Transunion. in the amount of {$580.00}, this balance was paid in full in 2016. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : 10 XXXX ) Balance : {$580.00} Account Status : Derogatory

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 2017-03-21
Company: Brock & Scott, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a trip with XXXX XXXX a travel company back in XXXX of 2019 for {$2300.00}. The trip was cancelled due to Covid. I reached out to Bank of America and they gave me a credit card refund immediately. Then flash pack reversed the refund and took my money back again and instead gave me a credit for a future purchase. Then flash pack went bankrupt and I was no longer able to use the credit. Then Bank of America said it was beyond the time frame to get a refund. So I never got my money back and flash pack now told me to file a complaint with the 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 monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2020-08-11
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/20 I purchased two items from XXXX XXXX. On XX/XX/XXXX items were delivered via XXXX. Within one hour of the delivery as we were opening items we discovered damage/unacceptable manufacturing damages with one piece. I called XXXX and received a voicemail box in which it stated that my call would be returned within 48-96 hours. Call was not returned. On XX/XX/XXXX through an email I received from XXXX Online I responded and indicated I had an issue. ( I took photos of my submission ). I did not receive a response. On two occasions between XX/XX/XXXX and XXXX I attempted to call XXXX. The first time I was left on hold for 39 minutes. On approximately XX/XX/XXXX I notified Chase Sapphire through their online dispute process. I was given a temporary credit of {$260.00}. My request for the credit card company is that maybe XXXX would respond to them so that I could get it resolved. Chase Sapphire did not read the verbiage in the complaint and contacted XXXX for proof of delivery. I never said I did not receive merchandise. My complaint was denied by Chase Sapphire on XX/XX/XXXX, Indicating and attaching proof of delivery. I called Chase Sapphire and was told to refile the dispute which I did on XX/XX/XXXX. I wrote a letter spelling out the details and correcting the {$300.00} which was the actual cost with tax and delivery. On XX/XX/XXXX I again received a Denial from Chase Sapphire stating that they previously reviewed my dispute and have confirmed that the transactions are valid. So my credit card company never even tried to help me. Only shoved the issue under the rug.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Had lots of unauthorized transactions taken hits against my account for years while maintaining a relationship with the 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 2022-05-19
Company: Experian Information Solutions 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 returned my car to the original lender due to a blown engine that was apart of a fire recall XXXX XXXX XXXX I returned the car and now they are reporting a repo and charge off on my account it should not be there they won't help me delete this item they are violating my rights I would like this deleted from Experian and XXXX XXXX already deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IL
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  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XXXX XXXX 2020

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 2015-12-03
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Dear ChaseYour letters have been received and all contradict each otherI need your assistance in sorting out the actual facts straying with letters from XX/XX/XXXX letters say no modification was in place Chase is now confirming modificationLetters state I did not reaffirm property in bankruptcy file that is untrueI had a bankruptcy attorney that was not contacted by Chase at no timeWho was the trustee XXXX bank or XXXX XXXX XXXX - XXXX XXXX XXXX whom notary XXXX XXXX worked XXXX Bank put Motion from relief of stay in. Bankruptcy XXXX trustee was hired by ChaseCan Chase have XXXX trustee working on the same loan and property? 
The number provided to validate notary XXXX XXXX documents is not a valid number XXXX XXXX letterRegarding title challenges I provided the necessary documents to WAMU in XX/XX/XXXX XXXX the original fax sheet to WAMU and document is available for lien on propertyAs of XX/XX/XXXX XXXX XXXX documents have errors and mistakes regarding foreclosure XX/XX/XXXX ( XXXX ) as well as NO Journal Entry XX/XX/XXXX Record FoundDo you have proof of publication for XX/XX/XXXX foreclosure? 
The Motion from Relief of stay documents do not show pictures of my home presented to bankruptcy judge - please explain? 
Chase I appreciate your time in putting accurate details in date order and excluding incorrect information in all previous letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: IL
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  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX and Experian wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!

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 2020-08-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX, Equifax and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: COAST PROFESSIONAL INC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX, NY, XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on this and get back with me. I saw a Credit Site and Board where this layer said you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

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