BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XX/XX/1969 XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trident Asset Management is reporting that I have an account with them in collections and this has been reporting on my credit report since XXXX. I have no contact information no notices or anything to even verify that I owe this debt. This is obviously hurting me significantly and I just want to get this removed and resolved. Please help me. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I found out on XX/XX/XXXX that a car note was fraudulently opened in my name through Bridgecrest financial in order to purchase a XXXX XXXX XXXX from XXXX for {$38000.00} around the end of XXXX, XXXX. I notified XXXX and Bridgecrest. Recommend investigating the loan officer and salesperson for complicity since the identification used doesn't match my actual address or previous addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I cashed out reward points earned through my AAA VISA credit card. When the check was delivered, the postal worker ( probably a substitute ) placed the check in my newspaper box ( which was clearly labeled as such ) and not my mail box. As I had canceled my newspaper subscription, I did not check that box for quite some time. On XX/XX/2022 I happened to check it and discovered the check in question. It was dated XX/XX/2022 and expired 90 days later. As the check was " stale '' I contacted Bank of America to have it reissued ( they issued the check ). They claimed the AAA VISA account had been sold to XXXX and they ( Bank of America ) no longer had any record of it. They insisted XXXX was now responsible for the stale check. I contacted XXXX and they ( XXXX ) indicated it was the responsibility of Bank of America and that they ( XXXX ) had no record of this check. Neither bank accepts responsibility. I have possession of the stale check, issued by Bank of America, for the amount of {$50.00}. 

I want Bank of America to reissue a check in the amount of {$50.00} and mail it to me.

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 2022-12-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Multiple unverified reports have 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 These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent XXXXXXXX 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 explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 2018-08-15
Company: Apelles, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I elected to change my banking relationship from XXXX XXXX to XXXX. One of the accounts I attempted to close was a checking account # XXXX I used to auto pay my monthly homeowners fees to XXXX XXXX XXXX in XXXX, Fl. in the amount of {$68.00}. 

I personally visited the XXXX XXXX  branch on XXXX XXXX. XXXX to close the account and spoke to a bank officeXXXX named XXXX who supposedly closed the account as requested. 

Several weeks later I began receiving notices from the HOA that XXXX XXXX was continuing to send payments to the HOA which they were returning without cashing, and I needed to contact XXXX to resolve this issue. 

I again visited XXXX XXXX  and spoke to the same officer and stated that the account was not properly closed and XXXX was continuing to send checks to the HOA. He said he would take care of the matter without further delay. The issue was not resolved and checks continued to the HOA. 

I then continued to contact the original XXXX XXXX manager who had opened the account and he contacted XXXX. This appeared to resolve the matter and I assumed everything was finally properly taken care of. 

Last week I received a call from XXXX XXXX stating I needed to pay an outstand debt on this account in the amount of {$54.00} or it would be turned over to a collection agency. This is more than a year after I assumed everything had finally been taken care of. They also stated I received a collection letter I also did not receive until several days later. I called the collection agency to explain the issue, however, they said since XXXX  was their client I needed to contact XXXX directly. 

I again visited the XXXX branch on XXXX XXXX. this time speaking to the manager XXXX who promised to look into the matter. A couple of days later I received a call from her stating XXXX was not willing to waive any fees and I needed to the debt or a collection action would be taken against me. 

Tis is not a debt which I owe and is clearly the fault of XXXX XXXX  which did not properly close my account when tis all started. /what I find most interesting the debt attempting to be collected {$54.00} is not even the same as the HOA fee of {$68.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Someone used my identity in New York and XXXX gave them a phone and allowed them to create over a {$4000.00} bill. I have never lived in New York and when I complained the first time the credit reporting agencies allowed XXXX to report it as a closed account and not removed from my credit report. So now the reporting agencies are saying I had a New York address and that has never been true. Also I keep telling them my name is XXXX XXXX XXXX. Not XXXX XXXX. That could be my late father uncle or even brother. The only variation from XXXX XXXX XXXX that is acceptable is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CNG FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting calls for settled debt from one Check and Go loan that I took out in California.

Every 6 months I get random and different debt companies going after this same debt.

I have ready settled this debt in 2019 and have a PIF letter. I keep getting calls from companies threatening to sue or report to credit bureau. The debt is also past statue of limitations. 

Lasted calls are coming from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in 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

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 2019-12-20
Company: CNG HOLDINGS INC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Transaction ID # XXXX, XXXX, on my XXXX Debit Card with 2 other transactions from XXXX and XXXX all taking money from my Account beyond what was agreed upon in the lease of a stove, in fact Why Not Lease It has overcharged me over {$1100.00} beyond the {$670.00} payoff price agreed upon in the lease contract. They refuse to give me a refund or cancel the auto- payment transaction on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While Conducting a Routine Credit Check Of my Credit Information, I Noticed That SEQUIUM ASSET SOLUTION who listed Original creditor as XXXX XXXX Listed a {$290.00} Debt on my XXXX credit report. Their listed address is - XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have never had any account with this company at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
" Creditors often stop charging interest after they charge off a defaulted account because of certain business reasons and because they are otherwise obligated under the Truth in Lending Act to send monthly statements to cardholders. " Capital One is charging interest on a charged off account. Thus the account shows a XXXX percent usage balance of {$8300.00} on a {$7000.00} credit limit Capital One is charging interest on a charged off account. thus account shows a 115 % usage balance {$3400.00} on a {$3000.00} limit. 

They are " OBLIGATED '' to send me monthly statements and I have yet to receive just one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I applied for a HELOC in XXXX. I maintain a good on time payment with the exception of one late payment back in XXXX XXXX XXXX which was an oversight on my behave. However, I have always kept up with my account through online banking. Santander bank has never mailed me a statement to my current address.The issue started in late XXXX XXXX XXXX when i was unable to access my online account to make payment. The password was disabled where i discovered the account was locked. I proceeded by calling the bank to find out why my account was locked due to owing money to the saving account of {$55.00}. I never received a notice of this late payment by mail or an email on this matter not even a phone call. I paid the amount owed and matters became worst when i was told i owe {$1400.00} on my HELOC. I have paid XXXX payment and wondered how did i owe this much money. I was told my payment is XXXX each month. for XXXX and XXXX 's payment. I responded to the the customer rep. asking them on why i was n't notified. They claimed i was mailed the information. After questioning them further to find that did n't have my correct address on file. We updated the information and then they proceeded on when i going to pay this amount. I kindly responded in telling them i cant this entire amount. I applied at the time XXXX towards the amount and paid another XXXX later. I spoke to a member of the single point of contact to help in resolving this matter as well explained that i cant afford XXXX per month and that I 'm too far behind to catch up. I filled out a hardship form with documents to which i qualified for but have not received a call back or an email on this matter. I keep getting phone about payment and threatening me on foreclosure. As well posting these late payments on mt credit report to where i ca n't refinance to payoff if necessary. I still have not received an statement in the mail on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I provided my records where my lawyer paid. The company continued to collect.

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 2019-12-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
06 XXXXOriginal creditor: 06 XXXX  201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-santander XXXX  reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX CO XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXXl 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. 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 2018-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My business was with XXXX XXXX company and XXXX XXXX. i was refinancing my mortgage from XXXX to XXXX XXXX. After the process was finished 3 months later i received a letter from a company called XXXX XXXX XXXX ( SPS ). i have no idea who they are and why they were sending me a letter stating that the pay off for the refinance was short and i now owe them $ XXXX.i disregarded their letter as i had no idea who they were and my business was not with them. after receiving another letter from them my wife called them and questioned them about the letter and their responds was you owe us. Me and my wife ignored their letters as i said my business was not with them.after receiving a letter from them every month with the amount of money owed escalloping and almost 2 years of harassment i hired a lawyer to get to the bottom of this matter. As time mounted this company SPS put me and my wife on as non payment at the credit Bureau. My wife and i have looked this company up and read many complaints about them. Obviously after my attorney contacted them they have settled and i did not have to pay them a penny owed. But now they have damaged my credit with the credit bureau for the next 7 years with their report to the credit bureau. i want this company to remove their complaint about me and my wife to the credit bureau. Select Portfolio Servicing. Account number XXXX. XXXX XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation