BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my Wells Fargo checking account! I immediately went to my Wells Fargo branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with Wells Fargo. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all XXXX credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that XXXX is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? XXXX is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute in reference to an account from XXXXXXXX XXXX XXXX appearing on my credit in XX/XX/2022. Transunion has not removed the account even though it was dismissed by the court in XX/XX/2022. The case is 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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im extremely upset with your service, customer services overall how you handle customers from your 360 bank service. When all i want is my money back, you close my account during sign up after i deposit money told me to wait until the hold becasuse how much the check deposit was to pull out funds but the money was a in my account 4days before i have proof from the bank that issue it. Now funds are clear and you wont send to me via overnight check, XXXX ( which i sign up for or wire ) im so fed up with this process im will pay the wire fee to get from your company. Was lied by your security team to drive 4hrs from my city to cafe for withdraws funds and was told capital issue money at cafe. So now im in situation to sue you guys to get my money back and the damages you have cause me. missing my rent, and car note because you wont sent me my own money for close my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have noticend an incorrect and unauthorized item appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: Ascendium Education Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have recently inquired that there has been an offset on my IRS tax return from the US Department of Education and lender XXXX XXXX. The offset was in the amount of XXXX and was taken over a decade ago back on XX/XX/XXXX I have confirmed the dates and amount with IRS, The Bureau of Fiscal Services, and the Treasury Offset Program. However, this amount has not been subtracted from my actual loans.On XX/XX/XXXX I have made at least 10 phone calls to different departments and agencies to help resolve my issue and continue to receive more contact numbers that go to voicemail recordings.Or I am refered back to a non existent loan carrier/ lender. Can someone please help me get this resolved as I really want to fix my credit score most important.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX  XXXX You are in Direct Violation of The Fair Credit Reporting Act CARHOP XXXX has violated several of my rights. 

15.U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a charge for {$4600.00} was made on our business debit card at BANK OF AMERICA. We had just gotten our insurance money on XX/XX/XXXX from a break-in. 

We filed the claim on XX/XX/XXXX so just over a week after the fraudulent transaction 's. BUT THIS WAS ONE OF THE REASONS WHY THE CLAIM WAS DENIED!!!! A WEEK! The person over the phone said that the claims department found that gap too long??? Its crazy that bank of America expects small business clients be checking our accounts everyday when we know we should have a account full of money? That's a quite ridiculous statement! Federal law gives 60 days to report fraudulent transactions I think 10 days is very fair! 

While checking my phone I had found that there was a malware installed that likely had remote access to my phone as well as a key logger this explains why all my emails were sent to trash and the fraudulent transaction was verified via sms. 
This also explains why " I logged into my online banking 17 times '' I DIDNT!!!!. I WOULDNT BE SUPPRIESED IF HACKERS HAVE HAD ACCESS TO MY PHONE FOR AGES!!. And just waited for my insurance money to deposit especially since they had access to my emails. And most likely were watching the conversation with me and my insurance company. It took me 10 days to file a report. But they said that I logged in over 17 times. Doesnt that by itself sound suspicious why would someone log in multiple times a day especially since that was essentially the only transaction its quite a XXXX accusation. Also one of the boa associates I spoke to said that someone also attempted to buy {$1000.00} worth of visa gift cards! But that transaction was denied? Why would you allow a XXXX transaction from an account that mostly does transactions under {$100.00} without temporarily restricting the account? When I had made a large transaction at XXXX  once XXXX closed my account and I had to go inside and vefiy it and only then did they reopen my account why would the bank allow a larger transaction go through but not a smaller one. Especially since both were from places our business never shops with. I would just like to have this resolved.

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 2023-01-27
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:
XXXX  XXXX is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both XXXX XXXX and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either XXXX XXXX or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but XXXX and Transunion refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. Transunion is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is XXXX XXXX in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NV
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:
BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE XXXX XXXXXXXX XXXX NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management is attempting to collect a debt for XXXX XXXX XXXX that has already been proven to not belong to me and has been removed from my consumer credit report from 3 major credit bureaus. Both of these companies were sent a validation request as well as a cease and desist. Neither company has been able to provide and proof of any debt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Your business partner XXXX XXXX credit card is reporting an inaccurate balance on my credit report, violating my rights under the fair credit reporting act. And negatively impacting me getting credit for future needs.

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 2019-07-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : 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: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding my previous complaint under the # XXXX I REQUESTED THE SPECIFIC SIGNED BILL OR RECEIPT OF THIS TRANSACTION THAT SHOWS FOR HOW MUCH Resurgent Acquisitions LLC BOUGHT THIS ACCOUNT... THIS COMAPANY FAIL TO PROVIDE ME ANY SIGNED DOCUMENTS THAT HAS BEEN REQUESTED BY MY PERSON ....

If in 10 days of this new complaint Resurgent Acquisitions LLC FAILED TO PROVIDE ME ALL OF THE SIGNED DOCUMENTATION THAT HAS BEEN REQUESTED BY MY PERSON I WILL IMMEDIATELY FILE A LAWSUIT AGAINST Resurgent Acquisitions LLC FOR HIDDEN AND NEGLECTING TO PROVIDE ME SIGNED DOCUMENTATION FOR THIS ACCOUNT THAT HAVE MY PERSONAL AND FEDERAL INFORMATION IN IT...

Resurgent Acquisitions LLC JUST SEND ME A RANDOM PDF DOCUMENT STATING THEY BOUGHT THIS ACCOUNT FROM THE ORIGINAL CREDITOR FOR XXXX XXXX BUT OFCOURSE NO SIGNED BILL OR RECIEPT THAT PROOF THIS IS TRUE AND NEITHER FOR HOW MUCH THEY BOUGHT THIS ACCOUNT ( SEE ATTACHMENT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My complaint : {$130000.00} was stolen from my account with Gemini Trust Company , LLC. The money was stolen through a series of transactions starting on XX/XX/2022. I logged into my account on XX/XX/2022 and saw that my account was locked. I contacted Gemini Trust immediately. There is no way to call Gemini, so I emailed them. They told me to send proof of my identity, which I did immediately. They have not contacted me again. My account balance shows {$3400.00} as of today and my account is still locked. 

Details of the events : The first unauthorized access of my account was on XX/XX/2022 from an IP address in the XXXX. I was not aware of this access and was not notified by Gemini. On XX/XX/2022, my Gemini account was again accessed by an unauthorized user, this time from an IP address located in XXXX XXXX. The thief was able to access my account despite the fact that I had, and continue to have, two factor authentication required to login to my account. 
The thief converted {$130000.00} of XXXX ( Gemini USD coin ) into dollars and began to execute a series of unauthorized trades. The thief also sent XXXX ethereum coins ( worth approximately {$1600.00} ) into my account on XX/XX/XXXX for unknown reasons. Somehow, the thiefs trades changed my account balance down from {$130000.00} to {$3400.00}. I did not know, and was not notified by Gemini, that any of this was occurring. I did not know that there was any unusual activity occurring in my Gemini account until I logged in on XX/XX/2022. 
I logged into my Gemini account on XX/XX/2022 and saw that it was locked. I immediately opened a support ticket and was told to send in a selfie with me holding up a piece of paper with the date and a secret code [ XXXX ] provided to me by customer support. I did so immediately. I never received any response again from Gemini. I have been contacting them repeatedly since XX/XX/XXXX and have not received any further responses after the first email asking me to verify my identity. 
On XX/XX/2022 I changed the password to my Gemini account. I continued using two factor authentication. I also completely wiped my computer in case there was any malware on my computer. On XX/XX/2022 the thief was able to login to my account again, this time using an IP address from XXXX, XXXX XXXX. Clearly, despite my doing everything on my part to keep my account secure including changing my password, using two factor authentication, and even completely wiping and reinstalling my entire computer system, Gemini is still not keeping my account secure from malicious logins.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Kriya Capital, LLC
State: FL
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 SOC SEC # XXXX XXXX XX/XX/XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief