BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to reach the claims/ fraud department for over 5 business days with no luck. I have fraud claims that were denied. I have tried to appeal said denials with no luck. I was told to contact fraud department by, however, I was not able to connect due to long hold times in excess of 1 hour. Today I was told that the correct department is claims which is only opened XXXX XXXX hours. Not being able to get a resolution I asked Bank of America reps what regulatory agency I could complain too and was told none, just their corporate office. Bank of America is breaking the law by stating that they are not regulated by any outside agency such as the CFPB. They are making it difficult for me to speak to claims and the purposely lie. I have filed a complaint with Bank of America, however, I dont believe anything will be looked into. Their staff is ill trained, lies. Anyone that has access to my account and can speak to me about met account needs to be trained in the laws associated with my account. For them to tell me they are not regulated by any federal agency means they are being malicious. They need rot be fined. I need my claim matter dealt with hold times of XXXX hour + are not acceptable. Them breaking the law is not acceptable.

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 2016-10-18
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Their investigation did not fix an error on your report

Complaint:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. TRANSUNION Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


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 2020-01-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have repeatedly been harrassed by ProCollect in XXXX, Texas for an amount that they say I owe for an apartment. I have been sent to collections for an amount due for XX/XX/XXXX. I have not lived there since XXXX and have tried contacting them in XX/XX/XXXX to fix this issue but the agent refused to communicate with me and answer my questions. I believe they are using false information against me.This collections account is seriously affecting my credit and they are being negligible in the way they are handling it by not providing me with a notice or settlement option.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, TransUnion and XXXX are all reporting XXXX XXXX  that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. This XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.

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 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for XXXX, Equifax, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be 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 2020-01-15
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: Account information incorrect

Complaint:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Credit Adjuster keeps calling my place of employment after being requested not to. They keep harassing me on my job. They called from XXXX over 10 times and always leave a return call back number of XXXX. This is the same company that lost a lawsuit in the past but yet they continue with their unethical practices and do not honor the cease to desist orders to stop calling the place of employment, personal references, church members, and family members. They refuse to honor consumers ' rights. They call the place of employment everyday at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-01-15
Company: U.S. BANCORP
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 am having problems with the credit card company not communicating with me the status of the complaints. They have removed my access from being able to see my account online and also made it impossible to get a clear understanding of what is happening with my account. 

The company has opted to accuse me of breaking a rule and cancelled my card which was due to packages being stolen and a police report was filed. The purchase was from XXXX and they made on big order into close to 10 to 12. Due to the items being taken or not delivered I requested assistance. 

The credit card company has made a determination now that is harming me from seeing the statements online and being able to review what is happening. This action is not only wrong but it places me in the blind as to what is happening with my account. They know that I am XXXX and this further causes problems for me. 

They have been very difficult to deal with and I have requested more information.. I want the information to be available online as I have paid my bills and should not be blocked.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
i have filed a dipute directed towards the incorrect items on my credit report. its been well over 30 day period and i have not received any results.

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 2020-09-27
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to get a mortgage refinance due to unemployment and medical issues that have caused financial hardship. However the refinancing application was denied by Carrington Mortgage Services. This happended approx 2months ago. I then contacted the company and spoke with XXXX in loss mitigation about a forbearance plan because my stated intention is to save the home. XXXX stated that she would email the final figures on legal fees, late charges and court costs so that I could begin the forebearance payment plan for XXXX XXXX 2016 However, it is the middle of XXXX and no emails have been received. I have called Carrington weekly ( most recently XXXX XXXX, 2016 ) seeking the final numbers needed to begin the repayment plan.. However, one full month has passed and Carrington Mortgage Services has not submitted any calculations and the fees and charges continue to pile up. I would like to know what the delay is in getting me the information? 
XXXX Carrington Mortgage .the refinan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX USA INQUIRXXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX XXXX XXXX, MD XXXX, Delete any other addresses listed that should not be on my report effectively immediately. But if XXXX XXXXXXXX XXXX  USA ; XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXXE ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XXXX, XXXX able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to 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 explanation
Consumer complaint received 2022-02-23
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights and committed aggravated identity theft on me. 18 U.S. Code 1028A To be clear, I, XXXX XXXX, have NEVER signed any agreements whatsoever with AmsherCollectionServices, So I am reporting them for aggravated identity theft and I am demanding them to DELETE COLLECTIONS OFF MY CONSUMER CREDIT REPORTS TO ALL CREDIT REPORTING AGENCIES. please CFPB, understand I, XXXX XXXX, never signed any agreements whatsoever with this company. This breaks my heart to know that this company has committed aggravated identity theft on me, an violated my consumer rights. This refer to Federal 18 U.S. Code 1028A aggravated identity theft is a violation to my consumer rights. I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights. 18 U.S. Code 1028A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation