BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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 am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

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 2021-04-15
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was an on-site Property Manager at this apartment community. I was offered a free apartment if I lived on-site ( on-call ). 

I submitted my resignation letter giving a two-week notice. 

AFTER I leave the company and move out, I am sent a letter stating this HUGE account is in collections, an account I never knew about! I fulfilled my two-week notice period and moved out that next day. 

I reached out to the collection company to provide documents pertaining to this debt and found an account ledger that charged me rent TWICE. The agreement was that I would receive my discount until the end of my employment. I contacted the corporate office and requested someone call me to discuss these huge discrepancies. They never called back, but a few weeks later I received a letter from an attorney 's office stating that the original creditor has requested counsel in discussing this debt. WHAT? 

This is ridiculous. I was never told I owed anything while I was living there. I was never notified of a balance due at move-out. I was never contacted by the property after moving out - that I had a balance. They charged my account with fraud expenses, sent it straight to collections, and are now putting up a wall to any communication other than through an attorney. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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 found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX/XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.

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 2022-11-22
Company: U.S. Auto Sales Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Auto Finance US Auto # XXXX balance XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-10-11
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SENTRY CREDIT INC has negatively reported a debt collection on my credit report, this is first knowledge of this transaction. I have not received any letters in writing advising what this collection is. I did send a letter, certified mail on XX/XX/2021 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have confirmation from USPS confirming delivery on XX/XX/2021. After receipt of this letter Sentry Inc. have negatively flagged my credit report 3 times, dated XX/XX/2021, XX/XX/2021 & XX/XX/2021. Copy of letter, certified mail receipt USPS and credit report alert attached for your reference. I have also contacted Original creditor : XXXX XXXX that they indeed were aware that this was fraudulent activity on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled in an accident. The insurance company handling paying off the car after the accident, called Santander Consumer USA on XX/XX/ and was told by Santander that they would not give them the Ten Day Payoff Request. Santander told them that I, account holder with them, would need to call Santander and have them send the Ten Day Payoff Request to me and then I would have to forward that to the insurance company. When I called Santander ( on XX/XX/ ), they told me that they could not send me the Ten Day Payoff Request and that the insurance company would need to contact Santander about getting it. I explained to Santander that they had told the insurance company that I would have to call and they said that was wrong. Santander said the insurance company handling the payoff would need to contact Santander and file a claim with Santander on the car and that the insurance company would need to provide a copy of the police report, the evaluation done on the car, and the settlement amount before Santander would send them the Ten Day Payoff Request. I was also told by Santander that I should continue making car payments as once the Ten Day Payoff Request was submitted to them it might take a while ( no time frame was given ) to process the request and payoff. No timeframe was given on how long Santander would take to process the payoff but the representative made it sound like I would need to make more than one payment between now and when the request/payoff was processed. They told me I would be reimbursed for any payments. I provided this information to the insurance company. The insurance company called again to try and speak with a supervisor. I do not know what date they called the second time but was told they are still having issues with Santander providing the Ten Day Payoff Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage services llc, XXXX, CA XXXX did take negative, uncalled for actions on my property XXXX XXXX XXXX XXXXXXXX, VA XXXX which I sold on XXXX XXXX, XXXX. I did complain about their lousy actions and asked for appropriate restitutions. They denied my request vide their letter dated XX/XX/XXXX. 

Justice be done to me by overruling their actions of cutting off electricity, water and gas connections and placing a lock box on my house on the morning of XX/XX/XXXX. It is a fact that I was behind on the mortgage by two months and they were informed of all development in the case right from the time the property was listed for sale in XX/XX/XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Account status incorrect

Complaint:
Working withXXXX experian and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.

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 2023-04-23
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage account has been placed in foreclosure. I was not made aware nor did I sign any notice of foreclosure documents. I did however, become aware on XX/XX/XXXX after attempting to make a payment towards my account as well as a letter from an attorney dated on XXXX XXXX requesting for full payment of my mortgage account balance. My account is also suspended which is preventing me from making payments. My account was sold of to Gregory Funding. When I got notification and called to see where I should submit payments I was instructed to wait because they were still in process of receiving all of my account details. This occurred sometime in XXXX early part of XXXX. I spoke then at that time with a representative and explained my circumstances and I was left with the impression that my account would be noted what I share with the gentleman. I later ended up submitting a partial payment two over the course of them taking over my mortgage in XXXX and XXXX. Here it is XXXX and my account is suspended and in foreclosure. Beginning in XXXX of XXXX I was out of work for XXXX XXXX months, lost my mother unexpectedly that XXXX and XXXX months prior to that my grandmother passed away. Both of whom I lost due to XXXX. It was a difficult time and still is. Also my payments that I did submit have not been applied to the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TCF NATIONAL BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2020, I went to TCF bank to cash my check. The lobby wasnt open, so I went to the drive through window. The Service Rep sent me a deposit slip so I could deposit some of the check in the bank. She told me to sign it. The check was for XXXX. I was trying to deposit XXXX into my account and pay my overdraft balance of XXXX. The Representative told me I cant get any money until 1 or 2 days later. I left and called the bank consumer line and that Representative told me I would have to wait till Tuesday to get some money. Im not understanding why are they holding it and I went to the bank to cash and deposit money. Ive done this before and this has never happened. Why now and I need my money to take care of my elderly Mom and food.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Franklin Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX XXXX home internet service via phone in XXXX of XXXX. I spoke to their customer service a total of 4 different times. 
In XXXX of XXXX, I spoke with a representative named XXXX who gave me this cancellation number : XXXX and also this call confirmation number : XXXX When I still received a bill later in XXXX, I called on XX/XX/XXXX and spoke to a supervisor, named XXXX, who gave me this additional cancellation confirmation number : XXXX I also received confirmation via email that XXXX XXXX XXXX received their equipment that I returned through the mail. 
When I received an additional bill on XX/XX/XXXX, for {$94.00}, I once again called customer service and spoke to a representative named XXXX in XXXX, Arizona, who told me to " Disregard the bill '' and that my account was closed and paid in full. 

In XXXX of XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, saying that I owed XXXX XXXX XXXX {$110.00}. I disputed that debt via email with the above information, and received a confirmation email on XX/XX/XXXX from XXXX XXXX XXXX stating " Your account was credited in full and returned back to XXXX XXXX XXXX on XX/XX/XXXX. '' Despite this, on XX/XX/XXXX received another debt collections notice in the mail from a different collection agency, called XXXX XXXX XXXX XXXX, mailing address XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, for the same {$110.00} debt, that had been supposedly " credited in full and returned back to XXXX XXXX XXXX XXXX'. I responded to this notice via email on XX/XX/XXXX with all the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
After trying to fix this with the company that is on my credit I was told that I will be committing a crime if I dont pay this debt. My identity was stolen many years ago and after them telling me they got this debt from XXXX XXXX XXXX has told me I dont hold him nothing and they never sold my information. I need this off my credit/debt collection as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up a onetime auto pay for XXXX XXXX dollars they did not remove the funds when they said allowing another transaction to dip in the money so I canceled the payment. They took it upon themselves to continue to run this same payment even after it was canceled mind you I am not on autopay. I called in and made a XXXX payment on XX/XX/XXXX by the way no bill was due until XX/XX/XXXX. I tried to use my card and nothing happened. I call in and they tell me my account has been closed for to many return payments and the fact is they sent them through without my permission and they just took my money and closed the account damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recieved several phone calls of which were threats via robo call messages. no identification noted. then i recieve a recent letter concerning a bank that i had a account with more than 18 years ago that was only a checking account 5th 3rd that i closed due to fraud overdraft fees. i attached the letter and more info on how this bank was sued for such acts now they are at it again through the listed law firm. XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Continental Credit Control
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:
XXXX XXXX CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. Transunion, XXXX, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, Transunion, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.

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 2022-04-12
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is with an incorrect IRS substitute form XXXX, the year-end statement for XXXX that I am required to have to deduct mortgage interest on my taxes. It only reflects interest paid XXXX through XXXX, which was after the merger of SunTrust and Truist. This form was generated on XX/XX/XXXX. 

My new mortgage loan was set up with SunTrust on XX/XX/XXXX and an initial payment was deposited on XX/XX/XXXX as part of the closing. Monthly payments to SunTrust began in XXXX. Payments were made automatically monthly for all the rest of the months of the year. SunTrust and Truist merged during this time. Now all communications and documents are through Truist. Truist does reflect all my payments of the year on the account activity page, but the substitute form XXXX only reflects XXXX through XXXX, which is after they merged their computer systems. I have called them several times, and the service agent requested a review, and they said they had not made an error. They refuse to allow me to speak to anyone else or to provide me with an email or other address. 

The total interest paid between XX/XX/XXXX and XX/XX/XXXX was {$11000.00} This number is taken from their own account activity page. The number on the form XXXX only reflects {$5400.00}, which was the amount from XX/XX/XXXX through XX/XX/XXXX. 

Please help! I need a corrected form to deduct the mortgage interest on my taxes. 


Below I have attached screenshots of the monthly payments from their webpage. I have no email or letters to attach because they will not provide any contact info.

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