BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About mid-September my husband, and I began receiving DAILY robocalls from Monterey Financial Services ( XXXX ). We have no account with Monterey, nor any outstanding debts. The robocall stated that by listening to it, we were admitting to having an account with Monterey ; and when we call, we should make sure no one could hear us before giving them private information. There was no other information given about this alleged debt, and we weren't addressed by name. I looked them up online, could not find any further information except for a phone number ( XXXX ). I called this number, but needed to have an account number in order to be connected to someone. We do not have an account. I then checked the XXXX XXXX XXXX  and got their address. ( Monterey Financial Services, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have made no further attempts to contact them. 
As I stated above, we have no account with them. We have not heard of them or from them before and have received no other communication from them with any specifics. 
All the calls have been made to our landline home phone and continue daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: PA
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 filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-04-21
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: MD
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: OH
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:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy falsely reported to my credit with date of 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 2021-03-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, my auto loan was charged off, after several attempts on my part to bring the loan up to date with no assistance from American Honda Finance. This year as I was reviewing my credit report as I do every year, I noticed that American Honda Finance reported this same charge off as a new debt to all 3 credit bureaus. Each with different information as to dates, payment history and amount owed. This is inaccurate as the charge off has been over 7 years old and should be removed from my credit reports immediately. I notified all 3 credit bureaus and 2 successfully removed them because American Honda Finance could not provide proof that I owed this debt. XXXX did not remove the debt and has now updated my profile with even more inaccurate information that American Honda provided them. This information has yet to be provided to me as I have asked multiple times. According to the XXXX rep, that I spoke with today, the debt will continue to be reported until XX/XX/XXXX, while their response to me in writing is that the debt will continue to be reported until XX/XX/XXXX. Again inaccurate information. This debt should have never miraculously reappeared in XX/XX/XXXX, as this was the year that it was to be removed. I am concerned that American Honda Finance will continue to report this debt every year in order to harass me. I need any assistance I can in this matter, as this is hindering my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a 2nd complaint because I just read the letter Loancare responded. The information was incorrect regarding the property taxes. The Loancare made a double payment as stated in the previous email and compliant due to an error by the company. We just purchased the home XX/XX/2021. The previous owners were in arrears in their property taxes, NOT US, the county applied the wrong amount to the wrong account. We did not find out about it until we got the taxes in XX/XX/2021. I've called and explained this to the company. I've tried to resolve this issue with the county. I've tried to resolve it with the closing attorney. The mortgage company received all but {$800.00} that I'm still trying to recover from the previous homeowner and closing attorney. They made an analysis on the mortgage prior to receiving the refund of {$5100.00} from the county. My mortgage should not have ever been {$3400.00} it was made in error. My XXXX mortgage should not be {$3400.00}. I am seeking for help and we are not getting it. The information is based off of inaccurate information. I am pleading for help. This issue should not be closed.

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 2022-12-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Beginning on or around XX/XX/2022, what is now known to be " Wakefield XXXX '' has been harassing me at work and home phone numbers. They fail to state they are a debt collector and instead purport to be an legal agent. They call from one number and yet list a completely different number to call back. Further investigation reveals that both numbers lead to the same place. 

Upon further review, the company answers the field differently per each call, such as today when called back I received the following answers : 1 ) Wakefield 2 ) None of your business 3 ) Wakefield XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX At none of the times they were leaving messages, nor when called back, did they state at any time they are a debt collector. 

They also continue to harass after being informed that I filed a bankruptcy, so any debt collection is not only invalid but also against federal law. 

I have attached a copy of their voicemail that was left on XX/XX/2022. 

Company has failed to EVER provide debt validation, nor have they ever even sent documentation to me via mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A payment of {$17000.00} was posted to my account by a third party. I called Bank of America and specifically asked if this payment had cleared and if there was any way said payment could bounce. I was assured that it could not. Based on Bank of Americas reassurance to me, I wrote a cash advance to said third party for {$16000.00}. Subsequently, the payment that the third party put on my account bounced. Bank of America is insisting that I repay the {$16000.00} despite me informing them that but for their reassurance that the payment wouldnt bounce I would never had issue the cash advance check. Ive tried repeatedly to resolve this matter and to try and get Bank of America to accept responsibility for this misleading me to no avail. 

Anything that you can do to assist me, will be greatly appreciated. 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 monetary relief
Consumer complaint received 2022-01-07
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they called XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

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 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I purchased from XXXX XXXX located at XXXX XXXX XXXX XXXX a pair of LED lights for my car. I paid {$210.00} which includes the installation. ( invoice # XXXX paid with my debit card transaction # XXXX ). 
At that moment I was told that I have to wait XXXX days since they had to order the lights and it was ok for me. 
The next week I called at different days asking for the lights and they always said no yet and that they will call me.. 
After a week they never called I decided to go personally to store the following week and after ask they said that they have the lights but they don't have installer. At that point I asked for refund, and they did no wanted. I left from store and after that they never called me again. 

I submit a claim to my bank ( Bank of America ) Claim ID : XXXX disputing this transaction since I never received a service or a product from this vendor and they never contacted me. 
I am still waiting an answer.

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 2021-03-04
Company: Bonneville Billing and Collections
State: OR
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 obtained my consumer report on XX/XX/21 and I have a collection account reporting that I believe is inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Rocket Mortgage, LLC
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XXXX, XXXX, Quicken Loans pulled my credit report without my knowledge or authorization to do so. I found out just this year, XXXX, that the inquiries were on my report and I got a hold of Quicken Loans immediately. They asked for a letter from me stating that I did not authorize such a credit pull, which I provided. I want disciplinary measures taken toward Quicken Loans and the mortgage loan officer who pulled my credit report twice without any sort of authorization by me whatsoever. They fraudulently obtained my credit information without my expressed consent and there should be repercussions. I was told today, XX/XX/XXXX, by XXXX XXXX, representative for Quicken Loans, that the inquiries will be taken off my credit report with no direct date of this noted. XXXX did take XX/XX/XXXX, off because it was a repeat of the one Quicken also pulled on XX/XX/XXXX. As of this date, the pull on XX/XX/XXXX, is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint to request that you remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

None of these inquiries were made by me therefore they do not have have permissible purpose. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I want these inquiries removed immediately as they are cause a devastating dip in my Fico Credit Score. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2022-12-12
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation