BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
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:
On XX/XX/2018 I entered XXXX XXXX with my offer in hand from my bankers for a pre-approval of an auto loan at 5 % interest rate. I explained in great detail that I did not want or need a loan or appreciated the numerous amount of searches that auto houses complete, my credit was XXXX and I was absolutely happy with the interest rates and that I had done my homework and knew that the rates could not be beaten. 

The sales representative presented me with a vehicle that I was interested in but it was at their XXXX location. The sales representative made arrangements for me to test drive the vehicle by taking a copy of my license and providing me with a document to sign which I was under the impression was a Test Drive consent form. 

I was driven to their XXXX location to test drive the vehicle. After the test drive of the vehicle from XXXX XXXX XXXX location to their XXXX XXXX location an approximate 15 miles, I was informed by the sales representative that purchasing the vehicle via the auto loan from my bank was not an option and that I would have to obtain financing from one of their auto financers. At this stage, I declined and left. 

I subsequently have purchased my vehicle via XXXX XXXX using the interest rate I was approved for by my bank but I have since been made aware that I have a hard inquiry that is reporting by XXXX XXXX on my files held by TransUnion credit reporting agency. It has also come to light that there are other auto  companies who have placed inquiries on and around XX/XX/2018, each of these company has been contacted and each has stated that their inquiry had been authorized by XXXX XXXX! 

I did not authorize XXXX XXXX or any other auto financing company to access my personal credit file for the purpose of obtaining a loan to purchase one of  their vehicles. I am quite aware of my financial options, before, during and after the visit to XXXX and it makes no sense to suggest that I would require financing options from XXXX XXXX 's lenders who are not able to meet the interest rates offered by my personal bankers of years.

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 2020-08-18
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
During the Covid-19 pandemic, I had put my mortgage with XXXX XXXX XXXX into a Forbearance Plan beginning in XX/XX/2020. XXXX XXXX XXXX clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to XXXX XXXX XXXX IN FULL. One week later I received a notification from Equifax and XXXX that XXXX  XXXX XXXX had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, XXXX XXXX XXXX is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with Equifax and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and XXXX  XXXX XXXX needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Vance & Huffman LLC Name : XXXX XXXX Account Number : XXXX Collection Agency : Vance & Huffman LLC Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Avant Holding Company, Inc.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i have a account with avant in which for some reason they are saying XXXX and with XXXX different opening dates with different addresses. To where recently i have realizedthat i am a victim of identitytheft/fraud/impersonation as well as a victim to sim swapping/hijacking on all my accounts online and offline to where my mail has/is being effected too. i have made police reports etc in order to rectify this. i have repeatedly the past XXXX  months called avant asking for my statements and all correspondencs to be sent to me by mail XXXX XXXX in so i can go over them in which they have refused and have stated that they can only send the last few which is bull. i have called and reported fraudulent/suspicious activity as well numerous times and sent in a dispute letter stating that i need to make sure my address and name are correct as well as issuing a new card and to investigateit. i also noticed that different payment amounts have been taken out on different dates that were not authorized nor agreed upon as well as i have never paying from a online account either Some of the auto matic payments that have always been set up since the first payment on theis card is not being shown on the correct dates made and charging more i yrest than agreed upon and a yearly account fee. to where im not sure what is going on but i know that i have made payments on time every month except last month through autopay through wells fargo. i have even sent in a dispute letter to make sure my name is correct and to report the discrepancies that ive seen again as well as to correct any information if it is wrong to and to cancel the cards and send new ones with correct information with also sending all statements and correspondences that way i can go through them completely and accurately to be able to dispute which transactions i did not make. they are still charging me late fees and intrest as well as not doing what i have asked for XXXX months. to where this isnt reasonable i will absolutely pay for what i have spent but i need all statements and correspondencesand to know how many accounts or cards or users there are on my account in order to see what is mine and what isnt because i should only have XXXX. then will make payments as to what i did spend. plus i have a credit freeze and they sent me another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with XXXX XXXX to apply for a modification for the past 3 years. After submitting 20 applications over the course of 3 years, they have finally granted a modification, however, rather than making a more affordable payment they ahve set us up for failure by more than doubling our payment amount. Our principal balance is XXXX and our forclosure judgment is {$350000.00}, however, they have added an additinal {$130000.00} to our outstanding balalance with excessive insurace costs, lawyers fees and penatlies. We are part of the action the cfbc currently has against XXXX for failing to offer affordable modifications and setting people up for foreclosure. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We respectfully request a more affordable modification. Our current payment is {$2100.00} and they are now offering a trial modification for {$4200.00}. If they can not make us an affordable payment we are willing to sell our home and pay the bank in full. Therefore, we respectfully request one option or the other. There is enough equity to pay the bank in full, however, it is our request to stay and be offered a modification that is closer to our current payment amount. How is this still occuring when there has been a lawsuit filed for this exact problem? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.

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 non-monetary relief
Consumer complaint received 2018-10-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX   credit card and XXXX XXXX credit card rewards certificate to pay for them. 

I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX. 

SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX  credit card bank ) and they have denied my claim. 

Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept. 

It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX  customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me. 

This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MI
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:
Iv tried to speak with the company multiple times about the violations of improper reporting of my account. The CRA 's are now being held liable for all the violations they are reporting from the company of 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 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent they 4 Letters asking for a contract with my wet signature showing I owe this debt, they have failed to provide a contract that I have signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Recently, there was a scammer who was trying to scam me by sending money to random people that I do not even know. With that, they charged me XXXX and even more out of my credit card, and I tried filing a case with the company but they closed the case so quickly that there wasn't enough information. My credit card company is Venmo, but the bank being linked to them is XXXXXXXX XXXX. 

The scammer had asked me to send money like from XXXX XXXXXXXX towards the end of the month. 

XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$200.00} AMOUNT : {$200.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$500.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$700.00}

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 monetary relief
Consumer complaint received 2020-08-18
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
You all reporting a debt owed on my report however I do not owe this company any money and this debt is not mine. The company has provided me with a letter on their letter had advising of the same. Delete this off all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Bank of America EDD is embezzled my {$6100.00}. Pending by bank approved by EDD also {$1000.00}. Missing doesn't match irs. Supervisor XXXX code number not available.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
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 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 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.

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a new credit card, new account opened, in the mail without my consent from Bank Of America ( BOA ). I called BOA and inquired about the card they sent. I informed them that i closed out my account about a year to a year and a half ago. They confirmed that the old account was closed. I inquired about how it was, that I was issued a new card, with a new account without applying for a new card, and they did not have answer for me. I also asked the to confirm the last XXXX digit on file of the new account and they replied with XXXX, which matched the card they sent me. I asked about when the new card was issued, I believed they said XX/XX/2023. I asked that they close the account, since I did not apply for a new card/account. 

Will this affect my credit score, since there was a new account created by them and me closing it out shortly after the account was created? 

Thank you, 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 2022-08-27
Company: Freedom Mortgage Company
State: NC
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 XXXX Account # XXXX, has 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 a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-17
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
on XX/XX/XXXX I purchased a XXXX XXXX XXXX VIN number XXXX. 
The car apparently was a VW Lease return turn in. Car was Purchased from XXXX XXXX XXXX XXXX, XXXX New Jersey XXXX. 
The Purchase Price was {$24000.00} which was paid in full by myself. 

I was told registration and the Title would be sent to me within 30 days. 

It is now XXXX XXXX and I have not received title or plates and registration. I can not drive the car without title or registration. 

I have been told by XXXX XXXX that it is not their problem but is the problem of XXXX VW Credit Inc, XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX says title is still listed to prior owner and XXXX needs to contact them. Which they refuse to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Never applied for Target credit card. I was told that it was applied in my name. Somehow this person have my address, birthday, ssn and even my license info. But I never received this card. I called and was told to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief