BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

No Account number listed for this account, Spring Oaks Capital LLC XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, amount listed $ XXXX dates and the amount owed. 

By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: InDebted Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Money paid for a flight for medical needs overseas was taken by XXXX XXXX because I was falling out at night after a XXXX and slept when money was sent and couldnt wake up after XXXX XXXX. The money was taken by the sending agent. The amount taken was XXXX dollars. I am very Sick and XXXX XXXX XXXX getting worst because the XXXX is water born.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I used my XXXX XXXX  card to purchase a {$140.00} flight ticket through Paypal on XX/XX/XXXX. The transaction was marked as fraud by XXXX and requested the dispute. After I noticed that, I called them immediately to confirm it's not a fraud. XXXX closed the dispute on XXXX and sent the money back to the Paypal. However, the money was held in Paypal without any confirmation and notifications with me or the bank since then, which caused my flight was cancelled on XX/XX/XXXX and I had to pay {$350.00} to book the same flight due to the pricing change. The {$140.00} is still held by Paypal with no action even though the trip had been cancelled for almost one month. 

I called Paypal twice XXXX XXXX XXXX XXXX XXXX to return the money back to my accounts, they said the transaction is still under investigation, and someone will review the transaction and confirm with XXXX about the dispute but no update/follow ups till now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: SG and Associates
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stafford Group and Associates bought a debt from XXXX XXXX  in the amount of {$5300.00} regarding a charger that I had purchased back in 2019 from XXXX XXXX ( XXXX XXXX  XXXX  ). Within a month, the car 's transmission faulted out and was covered by the warranty under the vehicle. Due to the fact the car was non-functioning XXXX XXXX  agreed to return my initial deposit and 1 payment that was made on the car. Because they gave me back my deposit and payment we signed paperwork completely dissolving the agreement that was signed, by mutual agreement. Stafford Group & Associates is now trying to collect on a debt that was dissolved. This is inaccurate, illegal and I have the paperwork from XXXX XXXX to prove this. I have never had any contact with Stafford Group & Associates either regarding this debt.

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 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX  that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

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 2023-10-27
Company: Bepensa Capital, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Credito Real USA / AFS Acceptance financed my auto loan in XXXX XXXX XXXX. I never received a copy of the Agreement or any paperwork. I have made all payments on time and started asking for the agreement and a copy of my payment history in XXXX XXXX XXXX I could not get it until over a year later ( XXXX XXXX ) after I refused to stop calling them in order to get it. Found out car had frame damage and wasn't told about it in XXXX XXXX when it was serviced for an alignment. I got 3 different auto shops to verify this information and sent it to Credito Real immediately. All 3 auto mechanic shops stated if I have frame pulled it could total the car and none of them wanted to perform the job for safety reasons. Credito Real agreed by phone in XXXX XXXX  to settle my loan for {$6000.00}, I owed almost {$9000.00}. A few weeks later ( XX/XX/XXXX ) while I'm at the car dealership they tell me they wont take less than {$10000.00} and that I owe {$12000.00}! Shows {$8000.00} on my credit report and i can not seem to get financed for a new car with this situation going on. I have a 28 % interest rate and have been a great payee. I would like them to honor the {$6000.00} agreed payoff so i can get a safe reliable car to get to and from work in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
[ a ] Our mortgage was sold to Newrez mortgage company for servicing. Beginning in XXXX of they began harassing us for not having condominium association insurance on our property and that they would purchase and bill us for insurance through their company. Their correspondence was unclear and we first sent our personal condo insurance binder. After talking we a rep at Newrez we realized they wanted another copy of the condo association binder. We faxed them that document on XXXX, XX/XX/XXXX. We also emailed a PDF of it. 

[ b ] We then then received notification that they were going to purchase condo association insurance because they didn't have a more current insurance binder. Perhaps an appropriate request but we never received a request until they threatened to purchase insurance on our behalf. We immediately sent them via email/PDF our binder.

[ c ] We then received notice that Newrez lost the original previous expired binder and that we needed to provide a replacement copy or they would bill us for the prior year 's insurance. Note that this is a {>= $1,000,000} comprehensive insurance policy on 285 units. 

[ d ] We promptly sent them a copy of the old binder via email pdf. 

[ e ] We received written notice on XXXX, XXXX that all binders for coverages for our condo were in place and that there would be no further issue. We thought this matter was taken care of thanks entirely to our efforts.

[ f ] But alas, today we received notification that we will owe {$7.00} for coverage that they will purchase for XX/XX/XXXX through XX/XX/XXXX because they don't have proof of coverage for that time period [ g ] Attached please find a pdf of our 2 binders for our coverage for : [ 1 ] XX/XX/XXXX through XX/XX/XXXX [ 2 ] XX/XX/XXXX through XX/XX/XXXX [ h ] Newrez has previously received both of these binders over the past months. I sent them the binder as well as the coverage detail. I will be scanning and resending via PDF both of the binders, yet again, to Newrez today with a cover letter asking for a written response that the matter has been resolved.

[ i ] This seems like a scam to get people to purchase unnecessary insurance through a subsidiary of Newres. At the very least it is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today is XX/XX/. We are a small business customer of Bank Of America. On XX/XX/ we made an ATM deposit of {$14000.00} at a Bank Of America XXXX ATM in XXXX. This deposit included XXXX seperate checks made out to our business. The ATM kept the checks and did not give a receipt with the credit information. After reviewing our account with the Bank Of America online banking app, we confirmed the amount did not show as pending. The ATM did not function properly. I went into the branch the next business day, XX/XX/XXXXand explained the issue to the branch XXXX. She was very helpful and actually was able to retrieve the checks on XX/XX/ and made copies for me and sent the originals to Bank of America clearing that evening. The clearing center has had these checks now for 8 days and still has not credited our account. Multiple phone calls and visits to the branch have not been productive. This bank error has been a hardship to us since we can not pay suppliers or submit the mortgage payment that was due on XX/XX/XXXX. This was solely Bank Of America 's error and they are not trying to correct this with any urgency. They are saying we may see the credit on XX/XX/... 17 days after making the deposit!! this in not acceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now Aidvantage, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or Aidvantage but it was recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance took a cash deposit, fraudulently signed my name on a cct, listed late payments on my credit report XXXX times although usc 15 code 1666 states they are not allowed to to amongst other violations.

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 2023-08-24
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I hired XXXX XXXX XXXX to consolidate my credit card debt. They did not pay any of it off and transferred it to XXXX XXXX XXXX, who transferred it to XXXX XXXX. I learned that none of these groups actually paid anything off when LVNV Funding LLC and XXXX XXXX XXXX attempted to collect {$1600.00} and {$600.00}, respectively. 

There are still five more credit debts unpaid, so we expect more collectors to come. The law groups have not shown what they did with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 my chime account was closed by chime, stating that I didnt follow the policy rules still not sure what Idid wrong, I never deposited anything fraudulent in the account you can also see that, I had transferred money from my cash app to my chime because I always do, my tenants from my apartment pay me rent via cash/chime/XXXX I had XXXX.dollars in my chime account and chime closed it and will not give me a refund on my closer check, I have provided my documents everything they asked for I provided it and they are still telling me I can not get a refund, different agents are giving me different ticket numbers and it is just all over the place, my money is just sitting there and I think they have blocked my number to call them and get any updates I have sent every utility bill, birth certificate, debit card, front and back of my id and a statement of what happened and they still wont give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Problem with personal statement of dispute

Complaint:
I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, XXXX, XXXX, and Equifax. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, XXXX, XXXX, and Equifax, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information XXXX, XXXX, and Equifax insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the report of this notice. I look forward to your response Thank You 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 2023-07-12
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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