BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-03-27
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX someone called back to back Yesterday XX/XX/XXXX someone from the company kept calling And now today, this morning before the day starts..at about XXXX someone called..I called the number back and it was MCM This is what prompted my complaint because prior to today I never called the number back, so I didn't know who it was just that they kept calling, but because they called so early I wanted to know who it was, plus it's a local number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
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 non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft, my information was leaked during the XXXX XXXX break in 2017 and again in another breach with XXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with XXXX for damages.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-09-22
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent several letters requesting a contract with my signature to prove this debt is mine. I have received nothing from them. I have also requested that they stop reporting monthly to the credit bureaus that this account is in collections. They are reporting collections as payment history which is negatively affecting my credit rating. Per the Fair Credit Act, this is illegal and not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of identity theft. On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I looked up the number and saw that it was linked to a Bank of America website. The person on the phone said he was calling from the bank 's fraud department. He said that there was suspicious activity on my account and asked if I made a big purchase the day before. He verified my home address, my phone number, and told me to verify my purchases from the past few weeks. I said yes to all of them because they were purchases I made. The impersonator then proceeded to ask me about a purchase worth {$6900.00} on XX/XX/XXXX. I said that I did not make that purchase. I immediately logged into my online banking and saw that someone had taken out {$6900.00} the day before. I did not spend that much, I did not share my card information with anyone, nor was I notified about that amount being taken out before this person 's call to me. He said that he was going to freeze my account until I got a replacement card in the mail. He said that since I did not make that transfer that he was going to freeze my account and that I would be getting a new card within 3-5 business days. On XX/XX/XXXX I went into the physical bank to confirm that my account was frozen, but I was told from the associate that my account was still opened. Within those 2 days this person was continuously taking out money from my checkings account. I made a claim with the debit card department, XXXXXXXX XXXX and the credit card department because everything was compromised. This person was able to take a total of {$24000.00} from my checkings and {$9500.00} through XXXX The {$24000.00} is still in the process of being investigated, but I was notified this week that the bank can not refund my XXXX  transfers back to me. This impersonator was able to hack into the banks security system and get access to all my information. Prior to XX/XX/XXXX I did not talk to anyone about my banking information nor did I make any big purchases. I just got out of XXXX XXXX XXXX this summer and this is money I have saved up for the past 4 years. I never had an issue with the bank when I was traveling in and out of the country while being in the XXXX. The moment I come home and I stop getting a paycheck from the government my account gets hacked and the bank doesn't want to take responsibility for their security breach.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX 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

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 2022-04-26
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts , LLC has been illegally reporting on my credit report since XXXX. As I informed their company on several occasion I do not have a wet ink signature contract with them I have complained to XXXX and XXXX multiple times. Capital accounts is reporting that I owe {$4300.00}. When I asked Capital Accounts to give me a copy of the medical bill they provided me with a copy of a chiropractic medical bill with my name on it for the amount of {$3000.00}. The amounts are different and under FCRA .I demanded for deletion but Capital Account , LLC did not follow the law. Capital Accounts , LLC stated the account accures interest at the rate of $ XXXX.This violates HIPPA and FCRA for consumer privacy protection. I never gave permission for Capital Accounts , LLC to have access to medical records. 

This is my final attempt to resolve this matter without litigation. If they do not delete this account within 30 days I will sue them for damages dating back to XXXX. 


Capital Accounts , LLC XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX www.capitalbillpay.com

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 2023-02-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive received copies of my credit report and notice that XXXX XXXX XXXX ( XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated

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 2023-09-22
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed this company several times ( XXXX, XXXX, and XX/XX/2023 ) requesting that they send me a signed contract that I owe this debt. All they have sent is a copy of a collection bill they received from a company. At the time of this debt, I lived in a different state and had not authorized anyone to use my information to purchase anything. 
I also advised that it is illegal to report to the credit bureau collections as payment which they have done for the last XXXX years, which is showing that I have a negative payment history on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The account listed as XXXX XXXX was paid for deletion on my credit. The account was paid back in XXXX XXXX XXXX insists that they sent a request for deletion to ALL three major credit bureaus on XX/XX/2021 however, it still appears on my Equifax report . I am at the closing stage of purchasing a home and this will prevent me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, I started seeing derogatory marks on an account I did not recognize. Upon research I discovered that there was a Synchrony Bank Paypal credit account showing delinquent. I opened several fraud claims as I did not authorize charges. I had to request statements to show the charges I did not authorize and received them in XX/XX/XXXX. I faxed this over and received a resolution letter showing fraud claim approved and my credit reports would be updated with all bureaus on XX/XX/XXXX. Account is still reporting on my credit report. Called back XX/XX/XXXX, and told all of my fraud claims have been denied and no proof of approval. I was told it was due to the type of fraud claim was showing identity theft and should've been transactional fraud. Told I needed to fax the charges again. I received a call on XX/XX/XXXX, when I called back on XX/XX/XXXX, no one knew what I was calling or talking about and had to go over all of the information again. I faxed the charges detail and the approval letter on XX/XX/XXXX. I also have mailed letters to the president of Paypal and Synchrony bank in XX/XX/XXXX and to date still have not received a resolution. Every time I call, it's 45 minutes of wasted time as I am told something different.

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 2023-09-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is my 3rd complaint with this department about ongoing issues with my Truist account. Truist still says I'm - {$470.00} in my account and by my calculations that's incorrect. Please refer to my previous 2 complaints if any questions. I would like to get this settled as this has been an ongoing problem.

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: EQUIFAX, INC.
State: CA
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights XXXX 


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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
On XX/XX/2022 I came out of forbearance with my mortgage company Shellpoint Mortgage and went to a modification plan that was on trial till XX/XX/2022 and was finalized with new payment due on XX/XX/2022. Per the C.A.R.E.S act a mortgage company is to not report delinquent accounts or past due amounts unless the mortgage was past due prior to forbearance. I was not delinquent prior to forbearance. I was entered into forbearance as a result of COVID and had a total of $ XXXX roughly that was on forbearance. Shellpoint mortgage has illegally reported me as XXXX, XXXX, 90 days past due from XXXX XXXX XXXX  on 2 of my 3 credit reports of the $ XXXX which they are not legally obligated to do. I have tried to get in touch with them and they fail to answer me back, they push me from department to department and refuse to review my mortgage and also refuse to admit they reported it illegally and will not remove it. This has dropped my credit score a bit over XXXX points. I also have contacted a CARES act lawyer who is not answering back, I have filed a dispute with XXXX and no one is answering my dispute now at XXXX or at Shellpoint. I have not been able to get ahold of XXXX, they will not answer the phone, my emails. Then in XX/XX/2022 ( just 1 week ago ) I pulled my XXXX credit report and now they reported me past due in XXXX on XXXX but never reported prior months. I am not past due and have the proof that I am paying on time. I have tried to get the loss mitigation department and specific representatives at Shellpoint to answer me why on this XXXX reporting of past due and they state they don't show they did that, but yet my credit report reflects that they did. They have illegally reported me past due and I have all the proof of the CARES act, the proof that I have made payments on time and per their request. All of which I submitted to Shellpoint but they refuse to do anything about it.

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