BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I read about the class action lawsuit with Santander. It stated my attorney General for the state of Arkansas has sued them for unfair practices for predatory lending. The maximum allowed interest rate in the state of Arkansas is 17 percent. my loan rate is currently at 24.10 % I called and left a message with the Attorney General 's office. I then called Santander to speak with them regarding the loan and the interest and how I was never sent any notification, as I was qualified for either restitution or loan forgiveness according to the website that was managing the class action lawsuit or at least that what was my understanding, so I was calling to clarify the information. I'm not a lawyer so I figured they would have to tell me accurate information about my rights. They refused to speak to me regarding it and said I had to speak to the Attorney 's general office and said all settlements have already been reached. I don't know what else to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020

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 2023-08-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for XXXX, Experian, 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 2021-12-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I used to use PayPal as a way to pay faster and with less effort. I was caught off guard when a transaction failed leading me to find out my account was permanently limited, and that I am now unable to use any of PayPals services. I have contacted PayPal through their phone number and talked with a representative who told me that there was nothing he could do nor his superiors. The representative also stated that he was unable to see what caused the permanent limitation. I have read through PayPals terms of service and have yet to see where I committed a fault. What is worse is that there is no way for me to resolve this nor of even knowing what I did wrong. As a result, I can not provide the precise transactions that led to my account being banned, but I can provide the last four transactions which may be the reason. XX/XX/2021, transaction of {$26.00} NZD was sent to XXXX XXXX but was refunded the same day due to a mistake in the sending. XX/XX/2021, the amount of {$29.00} NZD was sent to XXXX XXXX. XX/XX/2021, {$46.00} USD was sent to XXXX XXXX XX/XX/2021, {$46.00} USD was sent to XXXX XXXX again as a mistake which I disputed to PayPal and lost. All the transactions before these were to websites and not real people. That is why I assume that one of the mentioned transactions is the reason for why I can not use my mobile wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Cashing a check issued by a company through Wells Fargo has exposed a fraudulent practice by Wells Fargo. I was asked to provide 2 forms of ideas, my driver license and XXXX XXXX XXXX card was provided, then the teller asked me to place my thumb print on the check. I refused to do so, simply because my print is personal, I explained to her that finger print is no different than my DNA, and I don't have to provide it to you. She refused to cash my check, then asked for her manager to speak to me. Spoke to her manager ( XXXX XXXX XXXX /Service manager ) she also refuse to cash their check without my thumb print, then said " maybe you should go to your XXXX XXXX  XXXX to cash all your checks '' I perceived her commend as a total disrespect. I then spoke to the branch manager  ( XXXX XXXX ), once again I was refused to cash their check without thumb print. It is my understanding and through the Consumer finance web site, there is no law permitting any bank institution to demand any citizen to provide finger prints in order to cash a check. This would be a direct violation of my privacy right. I will pursue this issue all the way to our land 's supreme court if need be, and see it being correct to where no financial institution is permitted to demand citizens of this land to provide their finger prints just to cash a check.

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 2023-08-09
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-06-11
Company: Contemporary Information Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I FIND THAT CONTEMOPORARY INFORMATION CORPORATION IS STILL BEING WILLFULLY NEGLECTFUL IN PROPERLY INVESTIGATING MY CONSUMER FILE. 

I requested that it be forwarded to me any supporting or justifying documents Contemporary Information Corporation as on my file that ALLOWS THEM TO report this alleged eviction, as requested in my initial communication. This has been an infringement to my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Convergent Outsourcing Inc stating the original creditor was XXXX XXXX XXXX XXXX which is my current loan for my vehicle and I do not have an outstanding balance with them!

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 2021-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I placed a dispute to remove several inquiries however the credit bureaus have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Finance of America Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 we purchased a home with Financed of america mortgaged was are lender. we Harley had not that much communication by face to face only by phone and email. we did the settlement and was not explained that much information on the papers we signed and we didn't know about the two mortgages that we signed. One month later we received a paper from a company called state bridge its a company that is a collector we called because it was a bill on the amount of XXXX. we were told that its a loan that we took out for the house. we told them that we never asked for a loan for the house we were told that we only need so much down. But the XX/XX/XXXX said that finance of america mortgage does not tell the people that they need more money for the down payment so they go ahead and take out a loan in are name with out telling us.. we were never told about anything in the prepossess of the house. we think this is a fraud of this company to take out a loan with out are consent. that's why i think this company should be investigated we are not the only one that finance of america mortgage does this to us its been done to other people and they have to pay for a loan that they never asked for. the day of settlement we were not explained anything on the papers that we signed or why we had two mortgages. everything was a go go and never explained any paper worker that we signed. and they also threat you that if you don't give them information so that they can do their closing by such time that they will proceed with that if you don't give them the documents they have the option to pull the note meaning that your loan will be due in full. this company is a fraud and i think it need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
Date : XXXX To : XXXX, Equifax, XXXX, et al,. 

Credit Bureau Rep : It has come to my attention that there are errors and/or unauthorized records and non-public personal information on my credit report. 

Per the Privacy Act of 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

I have never authorized the following creditor to share my non-public personal information, nor was I given an opt-out notice every 30 days per : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX With Preduce, XXXX XXXX XXXX 
juris sui Attorney-in-Fact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One has sold an account ( XX/XX/2023 ) to a debt collector & still is reporting on my credit report to all major credit bureaus. The Capital One account ending in XXXX should not be duplicate reporting as it is a FCRA & FDCPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
State: AR
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 made previous complaints to Midland Credit Management , IncXXXX to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never provided my wet signature proving I have done business with them. I'm demanding they send me the forward flow agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX am filing this claim against Capital One Auto Finance. Over the last couple of months, Capital One Auto Finance has been wrongfully and fraudulently attempting to collect a debt that I do not owe to them. After researching their claim, I have come to realize that their claims are tied to securities fraud. I have sent out correspondence through certified mail as an attempt to have Capital Auto One Finance resolve the issue and produce undeniable evidence of their claim and they have failed to do so. I DO NOT have any contracts that bind me to any obligations or duty to perform with Capital One Auto Finance, yet they have gone as far as to falsely report false and damaging information to the credit reporting agencies, of which I also DO NOT have any binding contracts giving consent, that I've sent a cease and desist. They have also sent a cease and desist that stated they will no longer contact me regarding this matter, and yet they still do make contact. And during my research, I realized that Capital One Auto Finance does not have a license to collect debt in Florida. I have also communicated my disapproval with said credit reporting agencies ( XXXX, XXXX, XXXX ) that I have not given consent to disclose any of my private information. 
This is my third attempt to try and resolve the issue with Capital One Auto Finance. 
I would like some help in addressing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Lewis, McDonnell & Associates
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed numerous disputes against this item that is being reported on my credit report. I have lived in XXXX XXXX  since XXXX of XXXX. Lewis McDonnell & Associates has reported that I opened an account XX/XX/XXXX which is false information. Its states that the company is XXXX XXXX but when I contact Lewis & McDonnell & Associates they provide me with a different date. I have asked for information to mailed to me but the company has not done this at all. They provided me with an old address that I moved away from in XXXX in XXXX XXXXXXXX XXXX  Non of there information correctly matches any of my information but they say I would have to file a police report to dispute. Theyre telling me the account comes from XXXX but its been reported to the credit bureau as XX/XX/XXXX so that can illegally affect my credit score. I would like to receive a copy of the original signature. They have a copy that shows a computer draft signature which clearly doesnt match my signature. This company is a fraud and is trying to rip off people by destroying their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company 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