BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These unverified inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16, Santander Bank left a message on my voice mail alerting me that fraudulent activity had occurred within my online banking checking acct. I called the number they told me to call, however, they told me they could n't give me any info & that I 'd need to go into the branch office. On XXXX/XXXX/16, I went into the XXXX XXXX XXXX XXXX, MA branch office. I was there 2 1/2 hours while XXXX XXXX, the bank rep, called the fraud unit. I was informed {$990.00} was externally transferred out of my online checking acct. Finally, someone at the tel. fraud unit line took my claim ( while still at branch ), telling me to use reference # XXXX to inquire about status of the claim. I was also informed by the person taking the claim that I 'd receive a 'provisional credit ' of {$990.00} into my acct. within XXXX10 business days. Also, they 'd send me an affidavit letter & I was to return it asap. To this date, I have n't received the letter nor the provisional credit. I have gone into the branch on XXXX separate occasions since & have called their fraud unit XXXX6 times & I 'm told by everyone that my acct is BLOCKED & no one can help me. Here 's the situation. I 'm XXXX yrs old & I need to purchase medicine as well as pay some bills. The {$990.00} that was fraudulently removed was the bulk of my Social Security check ( {$1000.00} ). Due to the massive incompetence by Santander, as well as some rude customer service reps, I 'm now in a financial DIRE NEED SITUATION. Today, ( XXXX/XXXX/16 ), I was told 'maybe ' I 'd receive the money in XXXX90 calendar days. When told by me this was unacceptable, they told me they could do nothing further. I 'm being treated like a criminal when I 'm the VICTIM of fraudulent activety which occurred within THEIR online banking system. Obviously, their online banking security measures are failing but that 's not my fault.

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 2015-08-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am on my other checking account and my card had expired on XXXX/XXXX/15 which i should of receive a new card. I did not so my mother called on XXXX/XXXX/15 and spoke to a XXXX and then I spoke to XXXX. They stated that the orginal card was sent to my house and I never received it. Then stated I would be issue a card in 5 to 7 business. It is now XXXX/XXXX/15 and no card. So my mom called spoke to XXXX and then to me. She stated that the card were not issue do to error of address. So I ask to speak to a supervisor XXXX said her supervisor XXXX was not avaiable and XXXX XXXX would call me back XXXX hours and XXXX minutes latter XXXX calls and ask for me. I gave her verification information but she got made because she heard my mom in the back ground and got mad. So my mother got on the phone since she owns the account. When she asked to speak to her supervisor she or corperate XXXX stated she was in the corperate office and she had no supervisor. My mother stated she would place a complaint due to that this is her account and when the card was not issue someone should of called. But XXXX is going to argue and i am not happy. XXXX job is to be getting phone records first before placing a call and customer service should be top important to this company. I do n't have my card for unknown reason and I want my card without any hassels period. This is my mother acccount which she had for many years and place me on it when I was XXXX. This company has charge my mom for many thing and mess up her account when they switch over to who they are and she did not get reimbured to all her account due to their error. And it funny that my card didnt come because you get all junk mail sent to my home address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021. I sent a letter regarding in accurate and unknow things on my credit report. It has been over 45 days and I have not received any replies. I believe that my disputes are being ignored. Section 611 ( a ) clearly states, that failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. Like I stated. It has been over 45 days so they should be deleted promptly. I am demanding that these accounts be deleted immediately or I will file for litigation do to the problems that this is causing me. Also my information has been impacted by the XXXX  Data Breach and my have fallen into the wrong hands.

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 2016-03-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.

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 2016-11-04
Company: General Motors Financial Company, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Lionstone Holdings Group
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from someone trying to serve me paperwork on a debt, they left the contact information. I called the number I was provided XXXX and spoke with XXXX XXXX. He verified my SS # and date of birth. He proceeded to tell me about some debt from 2011 that I owe {$1400.00} on. He never informed me that this was an attempt to collect a debt. He stated to me that they are persuing legal action and going to get a judgement against me. I asked him several questions about the process. XXXX did n't want to answer my questions and was rude in his response and tone. I tried to verify what address they had on file for me and the address was in a state I have never lived in. He said it didnt matter they would still get a judgement against me even if they dont have my correct address. I told him he didnt need to be rude to me as I was just asking him some questions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding some inaccurate items reporting on my credit file with Equifax. Equifax responded to my complaint on XX/XX/XXXX, but I do not believe that they have performed a proper investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: AmeriHome Mortgage Company, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid amerihome on the XXXX of XXXX, it didn't reflect until the XXXX, there were back and fourth of them reversing my payment and me sending it back to them, although they finally received my payment, They double pulled from my account on the XXXX of XXXX but had no record of pulling from my account on the XXXX even though I showed them the activity and explained that they left me in the negative, ( issue is under dispute with the credit bureau and my bank, my bank also admitted they pulled twice ) after this occurred the same issue repeated on the XXXX of XXXX and now I'm in the negative again. I paid them on the XXXX of XXXX, they were closed for the holiday, when they opened they processed my payment and sent me back the money, that time I explained the issue with a agent again and then processed the payment with the agent, even though I processed the XXXX payment with the agent. Although I have confirmations of each payment, they still double pulled from my account. The agent my sister ( who is the co signer ) spoke to didn't understand the situation. She tried to claim that the payment I didn't submit nor was it on auto pay, that it was for the month of XXXX, I did not give them permission to pull from my account for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Williams, Alexander & Associates, Inc
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: MN
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 been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, Experian or XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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: 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

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