BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised i have written XXXX letters to Experian asking them to delete accounts that are unverified. 
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. My understanding is, the FCRA requries them to have a copy of the original creditor documentation on file to verify that the information is mine and correct. In the results of thier first investigation and subsequent reinvestigations they stated in writing that they verified that the items are being reported correctly and that they will no longer investigate my accounts that I asked them to delete, if they are unverified. ( I listed what accounts they were. ) They have not provided me information who verified these accounts, they have not provided me a copy of ANY original documentation- ( a consumer contract with my signature on it ) as required unnder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

I have listed the accounts that I asked to get verified multiple times, in XXXX different letters, and they refuse to delete the accounts or provide me any method of verification, or my signature. I believe they are violating my Civil Rights! 
The accounts they refuse to remove are XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX I informed Wells Fargo that I was hospitalized at XXXX  XXXX in XXXX. 2 days later Hurricane Harvey hit. I made partial payments as promised. They closed my account XX/XX/XXXX and even attempted to collect from my savings account causing that account to be closed. Now Ive been hit by Hurricane Nate at my own residence. I have tried to discuss this but to no avail, I keep getting transferred and spoke to 3 different people who could not help me on my last phone call. A similar thing happened to me with Wells Fargo on my business account. I was a victim of fraud-it took the bank longer than 30 days to investigate and they closed my account, although it was shown that I was indeed a victim of fraud. Not to mention, my account has been compromised so many times and I am the victim. Wells Fargo has been my bank since aroundXX/XX/XXXXand loyalty to customers obviously mean nothing to them. I have been harmed by their actions and was just notified tonight via email and online message that my accounts were closed. This is unfair and unscrupulous. I am a military spouse as well and this should never happen to a customer. Then they refuse still to work with me while Im experience such traumatic losses.

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 2017-01-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 2022-08-04
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted debt collector Nationwide Recovery Systems, to see what this account was. I never went to the facility that is listed as the original creditor. Everything that was talked about didn't make sense.

This " debt '' was bought for a second time. Yet NO correspondence was ever received, NO EOB '' s, no statements, NO BILL EVER. Not from the original creditor listed as XXXX XXXX XXXX or the collection agency XXXX XXXX. It is now magically appearing 4 years later on my credit report. And the bill amount happens to be just over the {$500.00} at {$660.00}. Now that laws have changed for medical collection under {$500.00} not to be placed on your credit report. 

Convenient for them the location of the facility is permanently closed and I am unable to obtain the said bill that is owed for the supposed original creditor. 

When asking to validate the debt, an excuse was given at every turn. 

They said XXXX XXXX has the information of the " debt '' but can not disclose a contact for them when I asked about it. I never received anything from XXXX XXXX XXXX or XXXX XXXX. it will take 30-35 days to receive the bill, because they only communicate through a portal and do not have contact with the agency any other way... 

That being said this is not HIPAA compliant as I NEVER signed a authorization to release my records to anyone. Also under Texas law you have 11 months to send a patient a bill. This is way past the time filling to send a bill. There was never any correspondence the facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, XXXX and Transunion requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, Transunion is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and Transunion have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and TransUnion is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to accounts not authorized and did not need or want, fees charged to these accounts. There have been no such attempts, he mentions such attempts in prior replies to CFPB complaints. His responses seem to be a general form letter, he has not detailed any of of the attempts at resolution. I can assure the CFPB Wells Fargo has not made any attempts, he is lying. I've filled out a total of four mediation request forms to date, a settlement offer was made by Wells Fargo rep, XXXX XXXX, it was accepted but no payment received. Failing to honor their offer, I requested a refund of {$610.00} which was detailed in my mediation requests, it was later denied citing a check supposedly sent to me prior which was never received. Needless to say, nothing resolved and again, any supposed attempts at resolution are entirely bogus, a lie. Wells Fargo is well aware of resolution which is a refund of {$610.00} for fees charged to accounts opened which I mentioned above. They have denied this request, additional complaints will be filed in regard to this matter. A refund of {$610.00} will resolve this..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
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 filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information

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 2015-08-07
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a {$40000.00} home equity line of credit with PNC Bank secured by my {$150000.00} home XX/XX/2014 with the agreement I would pay XXXX interest on any money borrowed as well as a {$50.00} annual fee. In one XXXX-month period ( XXXX - XXXX ) I paid three XXXX 3 XXXX {$50.00} " annual '' fees as well as two {$30.00} non-sufficient funds ( NSF ) charges that are not applicable to an account of this type. All but one of the {$50.00} annual fees are improper and should not be applied to my account. It is possible I have paid other fees, but the bank has refused to provide me access to my prior account history online. Two of the {$50.00} annual fees are improper because, obviously, I have only agreed to one {$50.00} annual fee per XXXX-month period. The NSF charges are improper because I have monthly payments automatically deducted from a PNC checking account, and the history shows no attempted withdrawals from that account during times of insufficient funds. XXXX One PNC customer service rep told me the NSF charges were prompted by an attempted withdrawal by PNC from an account that was different that the one I had set up for automatic payments and belonged to someone else. ) I have attached a screenshot of my account that shows the improper " annual '' fee and NSF charges. The bank has refused, despite several phone calls and more than XXXX hours of my time, to refund the improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice of debt from PSC regarding medical services provided by XXXX XXXX XXXX. I was shocked to see a collection notice as I never received a normal bill from them prior to that. I have disputed these charges through an online service that routed to the main credit bureaus for dispute but never heard from a response from PSC. 

Finally, I sent a certified letter on XX/XX/2020 requesting a correction of their charges as the doctor only saw me for 3 minutes in a bed temporarily in the hallway as the hospital was busy during my visit and even the medical provider spent a quarter or half an hour, {$500.00} is excessive. To my surprise, their response was a statement of account. 

This is not an acceptable response from PSC or XXXX XXXX XXXX as the billing practices are excessive and abusive. If they adjust their bill accordingly or even had the decency to explain their variance, I would have been more than happy to resolve this matter. 

XXXX XXXX XXXX 's attempt to collect excessive charges over actual across state lines from my insurance carriers constitutes insurance fraud and these practices should be further investigated. 

( 1 ) Puget Sound Collections is in violation of the FDCPA 's section 807 by providing a statement of account instead of an answer to excessive billing practices as a response to a dispute.

( 2 ) Because of this, Puget Sound Collections is also in violation of the FDCPA 's section 809 subsection ( b ) for improperly attempting to validate the debt and not directly addressing the erroneous and excessive billing amount.

( 3 ) Puget Sound failed to respond within the 5 day period as stated by the FDCPA 's section 809 subsection ( a ). Please see attachments confirming the dispute letter was sent on XX/XX/2020 and their response was 36 days later on XX/XX/2020. 

The FDCPA does allow a consumer to recover up to {$1000.00} per violation

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 2020-04-13
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received two bills from a " Financial Data Systems, XXXX '' with two charges that have no explanation and claim that their client has tried repeatedly to collect from me, but no such communication has happened. I went through some of my voicemails and discovered that I had been getting automated ( computer programmed ) calls notifying me of debt, but no further explanation. the voicemail starts with " by staying on the line for 5 seconds you confirm that you are XXXX XXXX '' then it proceeds to count : " XXXX XXXXXXXX  '' etc. 
I googled the company and their " client '' XXXX XXXX and both have reviews with similar complaints about false debts and illegal collection methods.

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 2020-04-13
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: MORGAN STANLEY & CO. LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Complaint 1 : Against XXXX XXXX for Irregularities Related to XXXX Origination of Interest Only Balloon 2nd Mortgage for Our Primary Residence Complaint 2 : Against XXXX XXXX XXXX - Foreclosure Agent for XXXX XXXX  Date : XXXX XXXX, XXXX We are writing to lodge a complaint against and ask for assistance with our negotiations with XXXX XXXX. In XXXX we were sold, unbeknownst to us, an Interest Only Balloon Payment 2nd Mortgage on our home. We never met or spoke with a Mortgage Broker from XXXX XXXX and we have received no origination documents from XXXX XXXX which was signed by a member of their staff. 
We paid our mortgage faithfully and on time each month for 10 years. Suddenly, in XXXX, XXXX XXXX demanded that we pay the mortgage in full. They gave no reason, refused to work with us on renewing the loan as a normal amortizing mortgage and subsequently began foreclosure proceedings on our home. We asked them to renew the mortgage multiple times and proved we could afford to make monthly payments on an amortizing loan, but they refused to even consider our requests. We made these requests in good faith despite the fact that our home was, and remains, under water. 

After years of fighting with XXXX XXXX and their loan servicer, SLS, we sought help from a housing counseling agency and an attorney. We have made a cash offer to XXXX XXXX for a Short Payoff and have provided evidence of Proof of Funds from a private lender. They are reviewing our documents, but have refused to postpone the Sheriffs Auction on our property. 

We are asking with this letter of complaint that the Consumer Financial Protection Board investigate this complaint and intercede with XXXX XXXX to postpone the Sheriffs Auction scheduled for XXXX XXXX, XXXX. 

We have attached details on the case, an analysis of comparable property values, the communications from our attorney to XXXX XXXX and its servicer, and the Qualified Written Request submitted to SLS under Section 6 of RESPA. 

Thank you for your consideration and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: NY
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:
New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Experian is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Experian consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Experian on XX/XX/2022 and Experian stated that they are unable to honor the request because they did not receive identification. However, they removed 3 inquiries that was listed on the report. They did in fact receive identification and are not complying with federal law. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Experian can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.

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 2016-11-02
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification

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