BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXXXXXX XXXX XXXX acting on behalf of American Express has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where Amex stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. 
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I have tried on numerous occasions to unlock my online account by calling TD Card Services only to be put on hold for over 10 minutes each time with no CSR answering the call. I am trying to resolve the following : 1. Unlock my account access 2. Redeem my rewards points for cash by sending a check to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. 

I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. 

I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Date opened XX/XX/XXXX Details XXXX XXXX  Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status TransUnion show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO 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 2020-06-13
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received an alert from XXXX of a collection account on my credit report. After opening my report I found out that LVNV Funding LLC has reported this collection of {$250.00}. 
I did not receive any communication from this agency in regards to this account. 
Neither I did any business with the merchant mentioned in the account. I reached out to the collection agency asking them to provide me any validation and they said they do not have any documentation and have not reported any information to the credit Bureau but still wanted me to pay them. I requested them to delete the incorrect information from my credit file but now they have this on other Credit Bureau as well damaging my credit. 
They are using unfair tactics to collect on a account which I don't have any knowledge and haven't provided me with any validation of the debt giving me an opportunity to confirm or dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NE
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

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 2023-09-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have met XXXX XXXX on XXXX and later moved to XXXX to continue communication. XXXX XXXX indicated that she is a analysist for XXXX  in XXXX XXXX, introduced me to XXXX XXXX ( customer service rep ) and persuaded me to enter as partners in to a forex account at XXXX XXXX XXXX XXXX XXXX XXXX under XXXX  for foreign exchange account. in doing so a series of wire transfers were made, including service fees to the account from my bank Wells Fargo to fund the investments. 

XXXX {$5000.00} to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$15000.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Once the account started to make some profits, I wanted to withdraw some money. I was told to pay service charges and then XXXX XXXX XXXX. Additional wire transfer were made, including services fees. 

XXXX {$6500.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$4900.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Needless to say, I never received the amount of withdraw requested and soon after, I lost contact with XXXX XXXX and XXXX XXXX. I have been a victim of fraud. 

this incident have been reported to the XXXX XXXX Police, report number XXXX and other agencies.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report I have noticed inquiries that I did not authorize nor have had any association with these companies. The following inquiries are not authorized ... XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-07-11
Company: Maximus Education, LLC dba Aidvantage
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My XXXX XXXX loans were transferred from XXXX to Aidvantage. All my loan information from XXXX was able to be downloaded to XXXX XXXX XXXX so I could easily track my payments. Upon transfer to Aidvantage, I am no longer able to download my loan activity to XXXX. So by transferring my loans to Aidvantage, a service was taken away from me, the consumer. Please direct Aidvantage to work with XXXX to enable consumers to download data to the largest personal finance software in the world. I should not have services taken away just because my loans were transferred. Many other XXXX users have the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Professional Debt Mediation, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and XXXX credit files be permanently expunged. Both XXXX and XXXX   have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MS
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-05-28
Company: Amsher Collection Services, Inc.
State: MI
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:
Subject : Cease and Desist Communication, Notice of Identity Theft, and Request for Debt Validation Dear Sir/Madam, My name is XXXX  XXXX XXXX a federally protected consumer. I'm filing this complaint to bring to your attention a matter of utmost concern regarding the alleged debt you claim I owe. This communication serves as a formal complaint, notice of identity theft, and a request for debt validation. 

First and foremost, I want to make it explicitly clear that I have never given Amsher Collection Services any permission to use or disclose any of my identifying information. It has come to my attention that you have been using my personal information, without my consent, to contact me about an alleged debt. This unauthorized use of my identifying information constitutes a severe violation of my privacy rights and is a clear case of identity theft. 

As a consumer protected by federal law, I am aware that the assignment of a defaulted note is illegal, as stated in Article 9. This implies that any purported assignment of the alleged debt to your agency is invalid and void. Consequently, both the assignee ( Amsher Collection Services ) and the assigned ( original creditor ) are liable for violations under 15 U.S. Code 1692e ( 12 ). 

In light of the above, I demand that you immediately cease and desist all communications with me regarding this alleged debt. Furthermore, I request that you provide me with the following information : 1. Proof of your authorization to contact me regarding this alleged debt.

2. Documentation verifying the existence and validity of the alleged debt.

3. Documentation showing that the original creditor lawfully assigned the debt to Amsher Collection Services. 

If you are unable to provide sufficient proof that I owe this alleged debt, I demand that you remove all references to this debt from your records and cease any further attempts to collect it. Failure to comply with this request will leave me no choice but to pursue legal action seeking {$1000.00} per violation, as provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I expect a prompt response to this letter within 4 business days from your receipt. Your cooperation in resolving this matter amicably and without further delay will be greatly appreciated. Please send all correspondences regarding this issue to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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