BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Alliant Capital Management LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted via email from company called alliant capital management stating that I owed a debt from XXXX XXXX/XXXX  XXXX. Spoke with XXXX from alliant capital. He said he would accept payment of {$350.00} as settlement for debt of {$880.00}. Made payment on XX/XX/2021 with credit card. Was promised a letter stating debt was paid. Still haven't received any notice from alliant capital. I have called and emailed several times no response. I called original creditor and they still have debt outstanding and have no record of alliant capital management handling this debt. I believe I was mislead into paying this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: GA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-04-18
Company: EQUIFAX, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX and TD BANK XXXX  XXXX/target financing after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pre approved and now two weeks from closing we are loosing our XXXX, because the lender has now told us underwriting is declining, he did not update the underwriting with the updated information filed the complaint with his company and they are not going to re review the file. We have paid debt that he asked us to pay which totals {$1500.00} and loosing XXXX in XXXX money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my annual health/physical check up with The XXXX XXXX XXXX XXXX in 2019. 
All annual health/physical check ups are free with my employers private health insurance. 
I received a bill for blood work. 
I submitted a letter to the hospital asking them to bill the insurance company as they had done in the past as that's part of the annual health/physical check up. 
Instead, they began charging fees and interest and sent the bill to collections to M & M Credit. 
The are reporting this to the credit bureaus and are damaging my credit reports and score because of their own bad administrative practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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'm a victim of Identity theft and I have attached an letter pertaining to all accounts relating to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: HI
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 sent a letter to Equifax Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

ALLY FINANCIAL opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}, XXXX XXXX Date Opened XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
As power of attorney ( POA ), I have been trying to get access to my fathers accounts for months. On XXXX XXXX Coinbase emailed asking that I use their secure site to upload copies of the POA and my state issued drivers license. They told me that I must create a separate POA account and the assets would be transferred to that account. 

On XXXX XXXX  I confirmed to Coinbase that the documents had been successfully uploaded and submission ID # was XXXX  and that an account had been created using my email. Hearing nothing, I confirmed that I had completed the requested steps again on XXXX XXXX XXXX XXXX XXXX 

On XXXX XX/XX/XXXX I was told to verify my ID for the new POA account through Coinbase. While I had received confirmation from Coinbase that my ID had been verified when I set-up the account on XX/XX/XXXX, I completed this for a second time on XX/XX/XXXX and again received a note from Coinbase saying the ID was verified. On XX/XX/XXXX, and XX/XX/XXXX I contacted Coinbase to follow-up as the assets had not been transferred. 

Their case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: MD
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 have contacted Equifax by Mail for the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX account with a balance of {$64.00}. This balance is reporting incorrectly and Equifax continues to verify this as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First off Federal Law prohibits anyone from collecting taxes other than the taxing authority. KIA Finance ( KIA ) is attempting to collect taxes on behalf of a municipality where I do not reside and have not resided in a year. 

KIA paid taxes to a municipality where I did not reside. The taxes they paid represented XX/XX/XXXX to XX/XX/XXXX. KIA told CFPB ( Complaint XXXX ) that the taxes they paid were for the year XXXX but that is false. The CFPB closed the complaint based upon KIA false claims. KIA hasnt even requested a refund from the State of Massachusetts XXXX XXXX XXXX who is aware of the false taxation levied against me. I am XXXX  and use my car to receive daily care at a XXXX  facility and KIA has threatened me with destroying my credit because of these false and illegal taxes. 

I contacted the XXXX XXXX XXXXXXXX, MA at least XXXX in writing ( email and registered mail ) see attached and they claim that KIA hasnt requested a refund of the erroneous taxes and that they may take another month to issue a refund even though I first asked for the refund in XXXX, XXXX. 

The CFPB needs to ask Congress to disallow Auto Finance companies from acting as tax collectors. This is not lawful and if a tax authority can not find a former resident ( because they moved ) more than likely its because they left the state. Each state has license plate readers so they know when residents leave the State for good. This is unlawful false debt collection that is causing serious harm to Americans who are being forced to move frequently due to ridiculous increases in housing costs. Please do something to help Americans rather than just close claims. It is becoming difficult to stomach paying taxes to any State or the Federal Government anymore.

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 2023-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XXXX XXXX via XXXX put a temporary hold of {$240.00} on my USAA checking account via debit card ending in XXXX. On XX/XX/XXXX XXXX XXXX debited the actual charge of {$170.00} and {$10.00} additional tip. Total of {$180.00} which is correct. USAA refuses to release the hold of {$240.00} and converted it to a debit. I repeatedly contacted XXXX and USAA beginning XX/XX/XXXX. On XX/XX/XXXX XXXX from XXXX confirmed the {$240.00} was a temporary hold and the amount should have been released by USAA on or before XX/XX/XXXX. I filed a dispute with USAA on XX/XX/XXXX and uploaded to their portal ALL the verification documents, including the XX/XX/XXXX email from XXXX that states the hold should be released and the 7 exhibits of proof. USAA kept saying they were waiting for the merchant to respond. On XX/XX/XXXX at XXXX XXXX ET XXXX from USAA said they had not released the hold and were not removing the debit. On XX/XX/XXXX I spent {$53.00} and overnighted all documentation to USAA including the 7 exhibits of proof. I reopened the dispute number XXXX with XXXX on XX/XX/XXXX. On XX/XX/XXXX I called USAA at XXXX XXXX to cofirm receipt of the overnight package and they do have it. I was told it will take another 7-10 days to review the dispute.

Based on the proof, USAA should have immediately charged back the {$240.00} to the merchant AND now they should also reimburse the overnight fee of {$53.00} I paid to XXXX 
There were NOT two grocery orders and thus there are not two receipts for goods/services. 
My husband is a XXXX Veteran & this is causing he and our family mental and financial stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Sequium Asset Solutions, LLC
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 have a debt collection for XXXX XXXX using XXXX XXXX as the collection agency. The amount is for {$920.00} and is on my XXXX and XXXX credit reports. I have never had an account with XXXX XXXX or any other cable/communication service in 24 years. My family has been with XXXX XXXX XXXX for the past 9 1/2 years and the account is in my husbands name. I called XXXX and verified Id never had an account and asked them to contact XXXX to remove it. They said Id have to work with XXXX. I hired XXXX XXXX for help with no resolution in 5 months. I called XXXX over these 5 months and finally got someone yesterday who could not find any information of a collection against me. I asked for contact with someone with more authority and information access. I was given the email address of XXXX. I wrote it and today I get an email with a reference number because theyve magically found me in their system. I wish I had never done that. They have my first and last name, my present address and an email address, XXXX, that is not mine. They did not want to help me fix this other than by paying it. 

This has greatly impacted my credit score. I can find noone who can effectively help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: LA
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 am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.

Company response to consumer: In progress
Consumer complaint received 2021-11-06
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I am writing this because had money that was taken from me by my Father. He Ended up taking {$14000.00} to be exact he told me he took it awhile after the case had Closed XX/XX/XXXX. No he Didnt have a reason to use the money on me No He did not have a medical reason to use the money on me. The money was court ordered to be deposited into an interest account with an Officer of M & T Bank so by time I turned 18 I was suppose to Receive that Amount.

I Turned 18 ( XX/XX/XXXX ) I Called M & T Bank that same day Gave them the 9 digit Routing number on the bottom of the check I Also gave them the 10 Digit account number. They searched them and said that there was never no account in my Name they proceeded to ask me for my social I Gave it to them they told me again there was no name in the System under the Name of XXXX XXXX in there system. 

I ended up calling M & T in XXXX NY. XXXX XXXX XXXX XXXX to be exact to see what was going on because the check was suppose to be Deposited with an officer of the bank at that specific branch I Ended up speaking to the manager at that bank they were able to locate the account number and routing number under the name of XXXX XXXX  . Then proceeded to tell me that the account wasnt mines and couldnt give me no more information and that the account of closed out in XXXX of XXXX then proceeded to hang up the phone. 

Im writing this because Ive been dealing with this for months since ( XX/XX/XXXX ) up until this present day Ive done everything I can Ive talking to my lawyer that represented me on this case he didnt know what to do I talked to other lawyers. Theyve never heard this before and could only assist legal advice Ive been calling all over to any and everyone I could reach out to help me Ive walked into M & T Personally many times they dont know what else to do besides send it up to the M & T legal department . Ive even went down to the court that settled this case they told me it was taken in error and to hold the bank accountable then they suggested me to contact you guys and Im really writing this because I want the money that was Wrongfully taken from me when I was younger Im only XXXX doing all this and Im really losing my mind trying to get my money back I would really appreciate the help

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 2021-04-27
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
My Equifax credit report apparently had a FREEZE on it. I never ordered a freeze on it, so I asked them to lift the freeze. They said I needed to mail in two forms of ID. I mailed in the two forms of ID to the address they indicated on their letter. I did this in XXXX of XXXX 
I then received a letter in early XXXX which was the same letter asking me to send in two forms of ID. I did the same thing again and mailed it into them.

I just received another letter that is the same as the last two asking that I send in two more forms of ID to the same address. Calling them resolves nothing. 

This is a total waste of my time and I want my Equifax credit account UNFROZEN. This is not a big deal and should be easy to do.

Company response to consumer: Closed with explanation