BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: Partners Financial Services Inc
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : File No. XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, TX ( XXXX ) ACCT BAL : {$31000.00}. This account has been sold and closed. Please delete. 
2. ACCT NAME : XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$8500.00}. This account was charged off. Please delete. 
3. ACCT. NAME : XXXX XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$2400.00}. This account was charged off. Please delete.

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 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called Transunion several times and sent letters concerning unauthorized inquires and inaccurate accounts on my credit report.

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 2022-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, someone used my card for a purchase of {$3800.00} from XXXX XXXX. I started a claim regarding this issue and was denied by Santander Bank. The bank won't give me the transaction details etc tracking number, name, phone number of the package. They only told me the merchant provided delivery confirmation but i never receive any package. Please help me resolve this issue.

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 2016-02-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Midland Credit Management XXXX Inc. out of California on a debt that has passed the 7 year Pennsylvania statute BUT I do not owe this debt ( see letter ). Because I DID NOT receive the service but DID receive the XXXX XXXX little white phone jack attachments in a box in the mail I DID try to resolve the issue with them for a sum of {$50.00} as I read the internet and saw they were leaches and thought sending them something would resolve the issue. Unfortunately, they said I 'm not " working with them '' to resolve the issue EVEN THOUGH they ca n't provide me proof that any SERVICE was ACTUALLY provided ( which it was n't ) since my wall phone jacks were not compatible with their little white things ( whatever they are called ). Please help resolve this issue, MIDLAND wo n't provide me with definite proof that I owe any money whatsoever. All they send me is their " reference material '' telling me that is the PROOF. Their " reference material '' is NOT what I asked for but they wo n't send me the proof I want because they evidentally do n't have ANY proof. They also ask ME for proof that I do n't owe money. If I never had the service, HOW can I provide any proof? It is a vicious circle. I think they feel I will get sick of them sending me letters and pay them which I wo n't. I decided I wo n't pay any money for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland fiance company contacted my brother and gave him my debt amount and last XXXX digits of my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect

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 2016-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.

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 2015-05-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 I woke up to my account in the negative on my payday. When I inquired with Bank of America the employees stated this was a legal order they had received But no Proof of their claim has been presented to me as of today.

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.

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 2016-06-16
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have bi weekly payments come out of my account every 2 weeks and during the month of XXXX I requested that only XXXX payments come out rather than XXXX. Since that time it has been a nightmare with Wells Fargo. I had to call back in and reset up bi weekly payments and then they double dipped my account in XXXX causing my account to overdraw. They said I would need to send in proof as to charges so when Is ent it in I covered up my deposit amount and they then said they could not credit me becuase I covered up my deposit amount. I then set up bi weekly payments again with them and instead of taking it out of my account on XXXX XXXX they took the payments out of someone elses account ending in XXXX and my account ends in XXXX. When I called he said ( XXXX XXXX XXXX that the payment has already been taken out I advised him I have no idea who 's account that is. He advised me he would need to do further research, which is what he always says. I just want my payments to come out right going forward and they ca n't seem to make that happen. It has cost me a total of {$75.00} for double dipping, taking out payments on the wrong day and most recently not even taking out house payments on the right account

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 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: VA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-08-02
Company: ALLY FINANCIAL INC.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX ( my former boyfriend ) had an auto loan through Ally Auto. I have made all of the payments and have a notarized document statement indicating title of the vehicle XXXX purchased will be transferred into my name once the loan was paid in full. The vehicle we purchased was in an auto accident on XX/XX/XXXX, resulting in the loan being paid off in full in XXXX. XXXX and I have made multiple attempts to request Ally Auto to send a lien release letter or card but the only thing they have sent is a letter confirming loan being paid in full. The MN Dept. of Motor Vehicle will not allow the car title to be transferred into my name until we provide them with supporting documentation of lien being released. I am attaching a copy of the letter Ally Auto sent us on XXXX XXXX, indicating our loan being paid in full. Could you please help XXXX and I with getting a lien release from Ally Auto?

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 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
it started with Transunion i 'm aware my score is well over a XXXX i 'm currently trying to refinance my home and dispute some items but creditor can not obtain a credit score from my Transunion file and previous disputed items have not been removed from other credit reporting agencies all my history is there but the score that was mailed off cant be honored, I went to court and the courts ordered XXXX home mortgage to reinstate my mortgage and then XXXX home mortgage offered to remove XXXX in debt from my home purchase which leaves it at XXXX with a monthly amount of XXXX please update and provide a Transunion score for my file please in reference to account no # 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