BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Halsted Financial Services, LLC.
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Please provide verification of your companys HIPAA authorization and proof that you have not abrogated my rights under the HIPAA Privacy Rule. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. 
XXXX XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Opened XX/XX/2021 Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NJ
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:
n 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 2020-06-10
Company: USI Solutions Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received time sensitive documents to initiate the modification of my mortgage to avoid foreclosure. It was approved in XX/XX/2019 and I have paid the monthly amount as per the contractual obligation but Santander Bank has been applying my payments wrongly and unjustly. They receive the monthly amount as agreed but continuously claim I owe them for a difference. I am having a hard time understanding how they receive and apply tendered payments. My monthly mortgage amount is {$1200.00} and each month Ive been tendering {$1200.00} to account for the mortgage payments for XXXX, XXXX, and XXXX XXXX Mortgage but despite such they have applied {$1100.00} of what was tendered by me. I have questioned this and placed a complaint through their research department and have written letters to address my concern but they have not clarified my misunderstanding and uncertainty regarding this loan. Please help as I recently modified this loan to avoid foreclosure proceedings and I feel concerned about their practices and their impartiality given such acts. Please help!!!! XXXX or 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 2022-05-14
Company: OneMain Finance Corporation
State: CA
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:
Hard inquiry submitted by the following companies without knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2021-11-17
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. 

Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, XXXX XXXX XXXX  XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.

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 2015-12-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.

Company response to consumer: Closed
Consumer complaint received 2017-02-13
Company: Genesis Lending
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NJ
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 explanation
Consumer complaint received 2022-05-14
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: Personal information incorrect

Complaint:
I see a number of inquiries on my credit report for Equifax, XXXX, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the black market. I need this inquiry to remove from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I reached out to the credit via mail to attempt to resolve a creditor reporting on my credit as UNKNOWN. How can a debt be verified if it is unknown furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Those charges were related to move-out expenses from the condominium I used to live. When I moved out, condo management said that the invoice was not ready yet ( there were painting expenses they could not precise, for example ), so they would mail me the invoice later, with any additional charges they might had in addition to my existent deposit with the condo. I never received any invoice, phone call, or email. In XX/XX/XXXX I was very surprised to be contacted by a Collection company, charging me for a debt I did not know it exist. The agent was very rude and ironic, and mentioned the name of the condo " The XXXX ''. I immediately contacted the condo via phone and they requested me to go to their office to settle the issue, which I did. The office manager checked my file and confirmed that indeed I never received such Notice of charges because they mailed my invoice to a wrong address. She even showed me the letter itself, returned by the post-office, so they knew I have never received it. They also never contacted me via phone or email, both information that they had in file. I lived in that condo for over 2 years and never had a late payment. That was in XX/XX/XXXX ( please see the attached receipt of payment ), and the office manager, XXXX, apologized for the inconvenience and assured me that the collection company would not bother me again. Not only the collection company bothered me again, several times, via phone ( the same rude and sarcastic agent ), but the firm also placed me as a Collection account, in XXXX. So the Collection company actually reported a mistake from the office, for a Notice that I never received ( please see the attached Notice, containing a wrong address ), which was returned by the post office, and then the company reported me a month after I made the payment directly to the condo. 
I 've had to dispute the information with the 3 Bureaus to have it removed. That was in XXXX. 
Now, XXXX years later, the Collection Agency reported me again!! This time they reported an account in collection, paid. That is in incorrect, since it was proven XXXX years ago that I never received such notice. 
I want this information removed from the Credit Bureaus immediately. This is disrespectful, it 's a waste of my time, and could have been a disaster for me since I had the closing of my Home 3 months ago. My FICO score dropped 22 points. They had no respect, they treated me with sarcasm, and they just assumed that I was a bad payer and made jokes. And now again, XXXX years later, they report this? I really wish there was a way that CFPB could punish this type of reckless behavior and lack of respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed two accounts via certified mail asking for valid proof ( ie signed contract, or payments made by me toward these accounts ). According to FCRA these companies have 30 days to provide validation and have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that I had a negative item on my credit report from Portfolio Recovery Associates. I immediately disputed the debt with all 3 credit agencies. I then began to receive calls at my work at different times and reached out to the President of the company via email. See attachment. Since then Portfolio Recovery validated the debt with the agencies and I disputed again because they did not provide any documentation to the debt. I received from XXXX two credit card statements. There is no information about the transactions dates or any last payment information, dates or contract that I signed for this credit card. I disputed again as I do not recall ever having this account. They also are pulling my credit report every month without my consent. I have not authorized them to do so. As stated in the attach letter if they did not remove this from my credit report report in 15 days from XXXX XXXX, 2017 I would file a complaint with FDCPA and I have actually given them 30 days to comply. Next step is in bullet point # 3 if they do not honor the request I have put forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 ( b ) of the FDCPA. HOWEVER, they did ( UNTIMELY ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with 1692g in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. ( See attached ). It has been many months yet they are still listing a negative ( s ) on my credit reports, despite the law giving them 30 days maximum.

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.

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 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is not being reported on my XXXX  credit report and there are several 30 day late payments that are not accurate. Being that the account is not reporting on my XXXX credit report, it leaves me to believe there is some kind of internal error as well with the late payments.

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 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has a system where they post deposits to my account as a credit. To secure and be sure I have enough money in my account to cover all charges. With that being said most deductions dont post to the account until days later. Over the past few months I noticed instances where my money has gone missing. Because of this I make sure to deduct all deposits and add the money thats needed at the time of that transaction. I am missing currently XXXX from my bank account that can not be accounted for by the bank. XXXX dollars and some change came from a pending transaction that was on hold due to error that would fall off. The other was from XXXX XXXX XXXX dollars and some change. All of that equals up to XXXX but it is not reflected in my current balance. I posted A picture of all transactions from the last 6 days leading up to this compliant. I called The bank and nobody would bother actually doing the math to see the problem from the correct dates and amounts. They went off of what they calculated which didnt reflect my correct balances at all during any point of my spending during these past few days. They think I dont See it but I do and I will, not stand for it. This isnt the first time they have taken from me.

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 2020-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.

Company response to consumer: Closed with explanation