BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved 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 explanation
Consumer complaint received 2015-12-14
Company: World Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a loan from world finance and and lost my job and tried to use the credit life protection that was included in my loan and was denied and sent to collection now i have mutiply collection account when i was enrolled in a service i could n't receive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I had all my inquires deleted. And when I logged back in today they are all back. This caused my score to go down.

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 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One Bank blocks access to my account from financial apps and websites that I use to manage my finances and also does not allow me to connect my other bank accounts without using CapitalOne 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had XXXX collections show up on my transunion report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent transunion a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from transunion yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has Midlands sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that Midlands got my validation letter. A copy of that validation letter. A copy of the letter that was sent to transunion and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

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 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.

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 explanation
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This company continues to report incorrect information on my credit report. This account was XXXX and no longer can report on my credit file.

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 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
Hello, I am writing this complaint with regards to a Balance transfer I did from my Capital One Credit Card account to XXXX XXXX XXXX Credit Card account on XXXX XXXX, 2015. I put the account number of my XXXX XXXX XXXX 's account and submitted the transfer. After 10 days when the funds were not showing on my XXXX XXXX XXXX 's account, I called the Capital one for the status and they confirmed me that funds have already been sent out. After further investigation, it was found that the funds were actually sent to XXXX XXXX instead of XXXX XXXX XXXX. They put my XXXX XXXX XXXX 's account number but sent it to the wrong address to XXXX 's and I do not have any account with XXXX 's. We then had a conference call first which was between me, Capital One and XXXX XXXX XXXX and they, XXXX XXXX XXXX, confirmed that the account number was right which I requested for Balance Transfer but they have not received any payment or funds. Then we had another conference call which was between me, Capital One and XXXX and representative from XXXX confirmed that I do not have any account with them, so they can not find any payment or funds. 
Later Capital One started investigation and as per them, they requested XXXX to return the funds from there missing file. This was done on XXXX XXXX, 2015. 
Yesterday, XXXX XXXX, 2015, when I called Capital One for an update, they told me that they have not received any funds back from XXXX and also they can not guarantee to refund my money if XXXX do n't reply them. 
I provided the correct Bank Information and Capital One erroneously wired/transferred funds to the wrong Bank. I have not received any funds, it was their error, yet they will not correct my account balance on the original credit card unless XXXX refunds. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was about To pay for an airline ticket, I was offered an American Express credit card stating if approved I would pay {$200.00} less. I applied to get the {$200.00}. I was approved right away, I was given all the information needed to pay, and I paid. I applied only because of the offer. I have talked to 4 or 5 ppl and everyone has a different answer. Now, I was told I wont have the offer because it was declined ... so I was approved but not getting the offer which I find unacceptable. I was told it was on the approval, Of course in very small letters knowing nobody read that ... so, why I get the credit card, and not the offer? I need help please. Big companies keep just by lying getting customers and money offering things that are not real!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying since last year to obtain my credit report online from Transunion. I have disputed the issue several times to Transunion and i was told that there is not an error on their part. But it is! My file has some sort of block on it that will not allow me my credit file online unless i PAY for it. I 'm attaching again a copy of the error message i have been getting since last year. every time i call they can not give me any information as to why my file is blocked for myself to view

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 2015-10-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both XXXX and Transunion on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from XXXX and {$17.00} from Transunion were chargedto my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
XXXX has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
Transunion is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.

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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. The incorrect address on my credit report that should be removed is XXXX. XXXX XXXX, XXXX, WI 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 2015-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation