BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint involves a medical bill listed as a collections account on my credit report for which I had insurance coverage, both primary and secondary insurance companies. It is for services rendered on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, CA, from the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bill is now with a debt collection agency, Grant & Weber, at XXXX XXXX XXXX XXXX, XXXXt XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX listed on my credit report with an account number XXXX, and a file opened XX/XX/XXXX. The agency is attempting to collect payment for this medical bill that neither the provider or agency will collect from the insurance carriers. The provider claims they never submitted it to XXXX and are unable to do so now. The agency claims I owe this debt and they continue to increase the amount. The provider claims it has no details on the original amount, but it appears it is far less than what the debt collection agency is submitting to the credit bureaus. The agency lists the amount due as {$4000.00} and lists an " original loan amount '' as {$3000.00}. Moreover, this is not a loan. This is a misrepresentation. Further, I have disputed the amount with the credit bureaus to no avail, as the agency continues to respond back to the bureaus that it is a verified debt after I have made several pleas to the provider and agency to cease reporting it as so as it is a medical bill covered by insurance. My XXXX XXXX XXXX XXXX is primary and XXXX XXXX is secondary. This collection account continues to bring my credit score down causing me a great deal of financial distress.

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 2022-06-28
Company: Collins & Hilton Asset Group, LLC
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: Information belongs to someone else

Complaint:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** I, XXXX XXXX, as a Federally protected consumer XXXX am submitting this complaint against the debt collection agency, Collins Asset Group , LLC for willful and deliberate failure to comply with the Fair Credit Reporting Act section 15 USC 1681s-2 ( a ) ( 6 ) ( B ) by removing or blocking the inaccurate and fraudulent account from my consumer credit report. With clean hands and in good faith I have issued due notice to this agency informing them of the Identity Theft and unauthorized activity committed, which includes the required statement of facts by the consumer, the FTC Identity Theft Report, and the FTC Identity Theft Affidavit in accordance with the FCRA. This debt collection agency continues to furnish fraudulent account information in an unfair, false, misleading, and inequitable manner causing grave harm and detriment to my financial reputation as a Federally protected consumer. Collins Asset Group , LLC has committed willful and deliberate violations of both the FDCPA and the FCRA and shall be held civilly and criminally liable for the following : 1. ) FDCPA - 15 USC 1692c ( a ) / 12 CFR 1006.6 ( b ) ( 4 ) ( i ) No Prior Consent to Communicate 2. ) FDCPA 15 USC 1692e ( 2 ) ( A ) / 12 CFR 1006.18 ( b ) ( 2 ) ( i ) False Representation of Debt Amount 3. ) FDCPA 15 USC 1692f ( 1 ) / 12 CFR 1006.18 ( d ) False or Misleading Representations 4. ) FDCPA 15 USC 1692e ( 10 ) / 12 CFR 1006.22 ( b ) Collecting Amount With No Agreement 5. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors 8. ) FCRA 12 CFR 1022.3 ( h ) Identity Theft / Unauthorized Use of Personal Information 9. ) FCRA 15 USC 1681s-2 ( a ) ( 6 ) ( B ) Failure to Remove Information after Notice of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The Investigation department back office for Bank of America 's letter dated to me on XX/XX/XXXX was completely misleading. They made it sound like over a XXXX dollars worth of transactions based on a dispute with a merchant would not be posted back onto my account until XX/XX/XXXX, stating they would charge the account for these transactions on XX/XX/XXXX. They proceeded to put the charges back as of the XXXX, FIVE whole days before that date. I don't care if they meant to be deceptive or they made a mistake. They must do what is right and send me a check for the funds I had available on my EDD card for {$170.00}, as their letter gave the impression that I had until the XXXX before the charges would be put back on. I was going to use every penny of that {$170.00} after they grossly mishandled my dispute -- Twice! The documentation that the merchant provided does not add up. Over a XXXX dollars worth of charges for one measly trip from New Jersey to Florida which is only worth about {$100.00}. There is nothing they can say or show that can justify this, but the Investigation department just continues to disregard the obvious and reject my claim. I refuse to pay over $ XXXX for what only should have been {$100.00}. I don't care if I go into debt, it's just not going to happen. And so I was going to spend that {$170.00} from my unemployment while I had the chance. Now I can't, thanks to their misleading letter. I was on the phone with the Disputes department for an hour and a half a couple weeks ago, and XXXX, a manager, filed a complaint on my behalf as well as she gave them her own input on the matter, as she also does not agree with this and thinks that the Investigation department should give me the {$170.00}... 

Please note that this complaint as well as the manager 's input was filed and sent to them two weeks ago, as well as an agent filed a second complaint and expressed their input about a week ago. And still no response from them to me or the Disputes department...

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 2022-06-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022 I called Citi Bank to get a refund of approx. {$1800.00}. which is a credit. I have called serval times since and today I was told that the transaction has still not been approved. I was told that it takes only a day or two for transaction to be approved.

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 2022-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft. I learned that my personal information was illegally used to open an auto loan. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - Several payments were received from a debit card and ACH checking account in my name. 

The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was XXXX while I served in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 2023-09-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : Apple Card/GS Bank USA XXXX XXXX XXXX XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 
I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 
In addition to the above request, I am also writing to inform you that this account is still reporting as open on my XXXX credit report, with a credit usage of 285 %. I have attached a copy of my XXXX credit report for your reference. 
I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score. 
I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future. 
Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report. 
Sincerely, XXXX XXXXXXXX XXXX XXXX  XXXX Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XXXX XXXX XXXX XXXX. XXXX : I claim Wells Fargo perpetrated XXXX  and intentional gross negligence on me as a mortgage Consumer from XX/XX/XXXX to XX/XX/XXXX 1 ) From XXXX of XXXX to XXXX of XXXXXXXX  Wells Fargo denied approval of loan modification due to over XXXX false entries on my mortgage account history that directly resulted in denials of loan modifications. examples of statements in my account history posted by Wells Fargo : I am XXXX, I am a man, I am XXXX XXXX XXXX, I had a baby, I am in the military, that loan modification options are exhausted ( 10 months prior to submitting the initial Request for Modification Approval ( RMA ). 
2 ) Wells Fargo also did not apply payments that were made by me from XXXX XXXX XXXX. 3 ) Wells Fargo illegally dual tracked my by suppressing decisions on a loan modification while filing foreclosure on me at the same time XX/XX/XXXX violating RESPA laws. 

Please see 50 pages of documentation to support my complaint/claim. Including the following : 1 ) 200 of the 1600 false entries made by Wells Fargo from XXXXXXXX XXXX XXXX ; and 2 ) copies of mortgage statements showing unapplied funds ; and 3 ) to support the claim of illegal dual tracking - copies of the XXXX XXXX and court case documents that occur simultaneously with the dated entries on the Consumer 's account for loan modification decisioning made by Wells Fargo. Also copies of the entries where Wells Fargo intentionally suppressed the loan modification decision to the Consumer in an attempt to `` avoid '' the appearance of dual tracking.

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 2022-12-20
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, there was a request from PayPal credit to pay {$790.00} to avoid a XXXX interest so I paid it after waiting for receipt of payment it came back as I paid XXXX XXXX XXXX XXXX called up PayPal immediately and they said they did not receive a payment it was a scammer they said don't worrie we will take care of it no worries then I called my bank institution and they said lets close your account immediately so we did all credit card and checking 's accounts I then got an email from PayPal saying thank you for reporting the case after ref=views we found that certain transactions weren't unauthorized and hence couldn't be covered by papal purchase CASE ID XXXX I have called multiples times and i get no answers besides PayPal from your from your wallet and now XXXX owe pal pay {$790.00} minus {$37.00} which I had in my wallet which is gone to now is being demand {$760.00} pay pal I never authorized a XXXX XXXX {$790.00} I have no clue whom this person is I authorized pay pal dept only they owe me {$37.00} XXXX love using pale pal debit cash app never had any issues please help with is this was truly a scam thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A third-party company approved services of a loan agreement. I never used the services. A hotel company that paid partner with affirm. The company confirmed, both companies, that I was clear and owe nothing. I was charged {$14.00} cents that I did not know about, I was told that I was responsible for the amount left behind, reminder- I never had services with this company Affirm and they unethically and fraudulently reported this on my credit for more than 60 days as a late XXXX balance. I am unable to purchase a home due to this error that they are not correcting, I called schedule a call with the Credit Bureau, XXXX XXXX, you and affirm and myself today XX/XX/XXXX  to clear the allegation of the false report. The company confirm i did not have services and nothing was late, but they still reported it on my credit that needs to be removed. 

provide reference ID # XXXX for the conference call with myself and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company Awa collections showed up in regard to alleged debt from an auto insurance policy I had closed with XXXX XXXX in XXXX. I have spoken with both XXXX  and AWA in regard to the mixup as well as misrepresented of closed account as a collection. When I spoke with a representative for AWA they informed me that they were not going to write off the account unless paid regardless of my documentation of closed account and was told they were only going to accept payment no other information would close the fraudulent collection account. When I spoke with representatives at XXXX they informed me that they do not have access only AWA did and that I would have to settle any issues with them being the account was closed with XXXX. I am getting the run around for an account I closed due to lies, deceit and a misrepresentation of the terms of the insurance account. Me, having closed this account with the organization the alleged debt originated from I see no reason there would be any collection. Clearly this was an oversight and mistake on the end of XXXX and now I am the victim in a scam and fraudulent attempt to steal and cheat the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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 Hard Inquires Listed below, 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 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 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 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 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 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 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 response to consumer: Closed with explanation