BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, Capital One Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Credit card was not usable and could not get to speak to a representitive.

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 2023-11-06
Company: EQUIFAX, INC.
State: PA
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 am initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: LA
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:
In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act Santander /Consumer USA Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXXXXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. 


I have attached the screenshots of the application as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Target card was closed by company and discharged in bankruptcy. The target company continues to place target on my credit report after being told by my atty through bankruptcy court it was resolved. They have continued posting it a an open active account although it was resolved in bankruptcy court back XXXX XXXX This matter has created Iireparable damage to my reputation and has created survive hardship. Im a XXXX XXXX veteran battling XXXX XXXX and would like to move forward for this obvious fraud on the part of Target by TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Bridgecrest Acceptance Corporation
State: NV
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: Problem with personal statement of dispute

Complaint:
I sent a request to have the account removed from my credit report because it had inaccurate account information. The balance was lower than what was showing on my credit report they responded by just lowering the balance, but that is incorrect because that was incorrect on my credit report and I want to have that account removed from my report. And per definition, anything that is inaccurate on my report should be removed in this case I want to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent Navient a copy of my identity thief report over XXXX years ago asking them to remove me from this fraudulent account which is account # XXXX. I was told that I would still be on the account after sending my report. I was told that the file was overlooked and I would still stay attached to this fraudulent account. I expressed how I felt about this decision but was basically told that doesnt matter I asked them to send me copies of this account with all transactions but was told several different things about why I can not receive anything. I then sent a cease and desist letter on XXXX attached with compensation payment demand because of the abuse and harassment and still is receiving from this company but no reply. I gave them 14 days to respond but no reply. I called them after i received a letter in the mail after me to again associate myself with this account. Please can you help with me with this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Upon viewing my credit report I discovered an account I do not find familiar

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My monthly payment was coming due on XX/XX/22, and I called Lendmark Financial several days before the due date ( around XX/XX/22 ) to let them know I was out of work because of a family XXXX emergency, and I was requesting help. I knew I would not have income to make a payment. 
The agent said she could submit an extension request to help, and would follow up with me the next business day after talking with a manager. 

Nearly a week later, after the due date, I get a rather curt phone call from another agent demanding my payment. Clearly she had NO knowledge of the previous phone call, the information I provided, or the offer of help via an extension. This agent didn't offer an extension at all, but said would send another form to me by mail. There was NO explanation about this form, what to do with it, how to fill it out, how it would affect my account or what it would do for me. After several days another call came and I hadn't received the form yet, so it was emailed to me, again with ZERO explanation about the form or what it would do for me. I told the agent I could try to make a payment but my account was overdrawn because I was out of work. ( I did try to submit a payment and my bank rejected it ). Three hours later I got another call from same agent who was very rude, unhelpful and unprofessional stating I promised to make a payment ( which I did not ) and she hung up on me without any other help. 

I completed the emailed form and sent the information to Lendmark. I received an automated message that the matter was " closed '' and upon logging into my account, there are no notes, messages, updates or any other information about the matter to let me know what's going on with my account or the form/information I submitted. My account still shows a past due status and late fee. I was never advised of any possible fee either. 

Clearly, my account is not documented when making contact with agents at Lendmark, information is not followed up on, and requests are ignored by staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I ordered a kitchen aid mixer from QVC on a payment plan. I never received my mixer. I called them to tell them that they said they couldnt send me a new mixer and to dispute it with my bank. Which I did. Now its in collections why do I have to pay for something I never recived.

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 2021-03-10
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-08
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I refuse to pay any debt to LVNV FUNDING LLC account # : XXXX, XXXX, XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 
There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 
I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I purchased a Vanilla VISA gift card in the amount of {$400.00}. On XX/XX/XXXX the gift card was used for the first time and did not go through. Went online to check the balance and called customer services but was told there was only {$5.00} left on the card. The Vanilla VISA gift card was hacked and wiped out. I filed a dispute package on XX/XX/XXXX with information requested to XXXX as instructed. I received a confirmation of receipt ( with incorrect last name ). I was told to wait up to 90 days for resolution and I would be contacted by email. On XX/XX/XXXX I sent an email asking for results since I had not heard back from anyone and it had been 90 days. I received no response. I called customer services at XXXX and was told that there was still no results and to wait another 30 days for update, even though it had been over 90 days already. On XX/XX/XXXX, I was told there were still no updates and to wait for an email within 72 hours. I mentioned to them that they had my last name incorrect and I was told they would fix it. 72 hours came and I still had not received a response. I called again, at this point the process is extremely frustrating, the representative told me that there was still no update and I asked for a supervisor. The supervisor stated that they did indeed found that there was fraud and a replacement VISA gift card was mailed to my home on XX/XX/XXXX. On XX/XX/XXXX I called stating I had not received my card in the mail. The rep stated there were no updates on my dispute ( was I lied to? ) and to wait 72 hours for an email/update. 72 hours came and still no update. I called again on XX/XX/XXXX and again, they tell me there is no update nor know anything about my replacement card. I asked to speak to a supervisor and they stated that the gift card was mailed on XX/XX/XXXX and I now have to wait until XX/XX/XXXX to call back again for an update. This is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: VT
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:
XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this information and asked for debt validation and verification and do not receive it from credit collection services. Not my account I do no owe this debt. This information is listed falsely and inaccurately across the credit agencies. This is inaccurate incomplete inconsistently wrongfully not truthful not while not complete please remove from My report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation