BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: DriveTime
State: SC
Product: Credit reporting 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:
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose.

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.

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 2023-09-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been receiving wage garnishments for a debt that I have no knowledge of dated back on XX/XX/2000. The courts have ruled that this be disposed of, and the company Midland Credit Management ( MCM ) is constantly resubmitting the file to my employers without notifying me of anything prior to taking my funds. This is causing me a major hardship as I have had this disposed because I am a victim of identity theft which I have explicitly stated. The current judgement balance is {$6400.00}. This total includes interest and cost fees as stated in the letter. An identity theft affidavit has already been established with the IRS due to someone filing taxes in my name previously and it has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I used my Robinhood debit card to purchase an XXXX. I didnt receive the service that I paid for and XXXX  never reached back out for a resolution so I went through my card dispute team to get it resolved. They told me the merchant never responded, but also still denied my claim. Even though I had proof I did not receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im not receiving the reset email so I cant change my password Im locked out of my account they also canceled my debit card, this is going on XXXX days and its not fixed. A password is something that should be an easy fix and this is ridiculous, I also noticed my balance was around {$800.00} then went down to {$500.00} -and I have no idea why. They are saying I spent the money and I didnt. I received XXXX text messages from saying I made a change and it wasnt from me. I dont have access to my money and they cant reset a simple password.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit 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:
On XX/XX/XXXX, someone in XXXX XXXX, FL called impersonating me with my SSN, and requested XXXX of my credit cards be Fedexed to their address. 

In spite of me having XXXX set up, USAA sent these credit cards to someone who clearly was not me ( wrong address, wrong state, wrong phone number, wrong security settings ). 

I called and asked why cards were being sent to another address, and said they should immediately cancel all the cards. They said they would. 

They didn't cancel them and instead allowed the individual to run up $ XXXX of cash advances and fees at XXXX XXXX XXXX over the course of XX/XX/XXXX to XX/XX/XXXX. I didn't catch it since I thought they would've canceled the cards. It only stopped when I noticed the charges on XX/XX/XXXX and called them. Complete failure of security protocols. 

Many of the charges have been credited to my account as fraud, but about {$400.00} in charges remain that they're claiming are legitimate and not helping me whatsoever. They wanted me to write a letter proving the charges were fraudulent. So I did that. Please help resolve these outstanding charges and fees. They are going to withdraw the funds from my bank accounts soon to pay off these fraudulent cash advances. 

Thank you, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, XXXX and Experian and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.

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 2020-09-29
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company : Loan Care failed to pay my taxes for XX/XX/2018. I found out when I got a notice from the lien holder a month ago. I have emailed and called several times and keep getting the run around. I have paid my mortgage on time and thankfully never missed one payment.

I have an FHA loan and am forced to have an ESCROW because apparently they think new homeowner 's can't pay. But obviously the mortgage company can't even pay. And now I have all these fees built up.

DO NOT USE LOAN CARE AS YOUR MORTGAGE COMPANY!

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 2023-03-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail. 

I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports. 

Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: MS
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 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2023-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My husband, XXXX XXXX XXXX, and I recently ( 9/23 ) opened a HELOC with Bank of the West ( Which has then since been acquired by BM O, NA ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance.

I later found out that we were 60 days late on payment
from the Credit Bureaus. We immediately contacted the bank ( now BMO ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.

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 2019-07-16
Company: CITIBANK, N.A.
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:
Citibank has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted Citibank immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). Citibank 's customer service has been atrocious, Citibank clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.

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 2023-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my credit report and found out that you are illegally reporting inaccurate information about me. I have attached proof of these accounts reporting differently with all 3 bureaus. Some of these accounts have been previously disputed and have come back verified but how is that possible when they are all reporting something different? The XXXX XXXX XXXX account is even reporting as account type unknown. How are you reporting an account if you dont even know what type of account it is? Furthermore how is it coming back verified? The proper investigation has not been done on these accounts. Remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Citibank issued XXXX credits cards for Home Depot and Best Buy with purchases without my consent or knowledge. Cards received in the mail. XXXX XXXX sent letter requesting additional information. Why Citibank did not do the same

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 2023-11-16
Company: BUSEY BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Some time in XXXX I noticed a fraudulent transaction on my account and it is not showing up on my bank statement and it shows up on my report but it shows that my account is still active and that I am still waiting on the payment from the last time that it has happened. My cash flows are not shown on my bank statements anymore only the totals but on the account that they have been deposited in my checking accounts so Im going on the website to get a check for my account to go through and I have a new balance for the money that was deposited on the bank card so Im going to get that money today so Im not going into any trouble right away but it is not lining up with the money that Im getting from the account that Im using right now and the debits are not showing in the accounts that are being deposited in my checking accounts so its going through the bank statements which I need for the money that Ive already put into the account number and I dont have to pay for my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX   XXXX  is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened an SYNCB/TJX XXXX XXXX Card in XXXX of XXXX approximately, I used the card for about 9 months, after that, I had my wallet stolen with my picture ID and copy of my social security card, my bank card, and my SYNCB/TJX card. I suddenly received a bill from SYNCB/TJX, and I contacted them to explain what had happened, in a few words, they said that I owed them money and I needed to pay them all the charges, plus fees and interest on purchases that I never made and I reported fraudulently. 
I explained that I would not pay for something I did not purchase, and they threaten to continue to collect the funds and damage my credit. 
They have damaged my credit and my ability to live a normal life. Until a friend told me I needed and could report this issue to you. 
I am asking for your help to have SYNCB/TJX, drop all the charges since they are not my charges and this situation was reported. Please have them mail me a letter confirming that I am not responsible to them for any amounts owed and that they have been aware of this situation for years. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX SSN : XXXX DOB : 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 2023-11-16
Company: Abbott Osborn Jacobs PLC
State: CA
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 am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: National Credit Systems,Inc.
State: KY
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:
Paid balance to National credit system on XX/XX/28. Was told when making payment that it pulls be removed from credit by after 30 days. Account is still reporting to my credit. Was told account would be removed and report paid in full when I made payment. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I was not given the opportunity to put my loans into deferment by Firstmark Services and they subsequently put my loans into collection without proper notice for me to submit paperwork on time. In XXXX of XXXX I submitted a case to the Minnesota Attorney General 's office who after working with Firstmark was able to get the loans removed from collections and put back into good standing and into deferment for the next year. Last XX/XX/XXXX I checked my credit report to find that Firstmark never removed the reporting of collections on my student loans and still reported them in collections even though they agreed they should never have gone to collections at all. At that same time I found that they put a late on my credit report for XX/XX/XXXX when the Firstmark representative affirmed to me they should have been reported as deferred due to COVID-19. I attempted to work with Firstmark through the Minnesota Attorney General 's office again with no resolution. The Minnesota Attorney General 's office agreed that my situation should be remedied but Firstmark was not willing to look into my case and provide a resolution. Attached is correspondence from XXXX ( the original case ) and XXXX when attempting to resolve the XXXX case and XXXX case.

Company response to consumer: Closed with explanation