BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received the 2nd letter about a debt : from Resurgent Capital Services about a Pinnacle Credit Services Account # XXXX which is past the Statute of Limitations for enforcing this type of debt through the courts in Ohio have expired. 

This company has disobeyed my cease and desist order as seen in the attached as this company is a company tied to XXXX XXXX XXXX XXXX XXXX XXXX in which has the ease and desist order as per the USPS Certified Receipt listed I called Resurgent Capital Services to ask why they sent me another letter. The Associate stated they had the cease and desist order on file and could not answer any questions on the file. 

When asking why they sent me a letter again the Associate stated that he could only speak to me about the issue if I listed the account as non cease and desist. 
I advised He, his company, and any other fiduciary to cease and desist and they are in violation of that order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},

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 2023-01-08
Company: EQUIFAX, INC.
State: MD
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:
XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX  loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian is reporting unauthorized inquiries 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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, Experian, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Submitted it to you earlier but forgot to attach my bill and my drivers licensee and Social security card attaching all the information again

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i am NOT making a complaint about Capital one. this has to do with card ending XXXX i was just put on hold gfor 79 minutes while i understand the emergency i cant hold that long. anyway, i ordered from XXXX  around the XXXX  received nothing no answers to my calls emails there have been many please suspend the money and investigate this never received the merchandise. i ordered i cant be on hold for 80 minutes not right. this is XXXX XXXX XXXX. thank you i XXXX capital one and got a ridiculous response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all my debts in full Experian has 3 late payments on my account not taken off I would like them too wipe my whole credit profile selling all my info on the dark web crossing me and my father info together its Inquirys from whoever stole my info tryna feel out for credit cards on my XXXX and XXXX I mailed letters and email for two years no reply may I please have my credit profiles wiped clean and info up dated my father and I profiles getting merged also

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 2023-06-25
Company: BARCLAYS BANK DELAWARE
State: SC
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:
On XX/XX/XXXX my credit card got compromised, I got a text message approving the transaction which I did not approve, and we called Barclay, they promised me that the charge fraud will be resolved, on XX/XX/XXXX they charged me for the fraudulent transaction

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 2021-08-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander Bank, my mortgage company, has failed to apply a check for my mortgage. I have provided a copy of the cancelled check showing that they cashed it on XXXX with my mortgage number typed on it by them. I contacted them on XX/XX/XXXX when I was informed in the mail about the missed payment. I was told to email a copy of the cancelled check to a customer service email. They assured me they'd expedited it as their normal business practice is to take 5-7 days to research these issues. I emailed the cancelled check. I called back on XX/XX/XXXX because I received a new notice in the mail. I was told this was the first they had heard of it and was provided with a different customer service email address to send my cancelled check as proof that payment had been sent. Both times the customer service agents stated they would contact me to follow up. I did receive an auto-response from the customer service email letting me know they'd received my message so I know they have the copy of the check they cashed on XXXX. I called today XX/XX/XXXX and was told they had until XX/XX/XXXX to inform me about their resolution. During all of this, to add to the frustration, their customer service agents have left me on hold for more than 10 minutes and one even hung up on me after having me hold for that long and every time I call I have to go through the entire issue as if they have no record of it. I just spoke with a supervisor and once again was assured I will hear back from her. There has been no return call as of yet.

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 2023-03-06
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
Exeter finance placed a fraudulent account on my credit report, I demand Exeter finance remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action Exeter finance for violation my my consumer rights, im filing this complaint against Exeter finance because Exeter finance has used my information to establish a fraudulent account in my name, in future reference I will sue Exeter finance in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.

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 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I recently moved from NJ to FL. I have been trying to get BB & T and now Truist bank to send my title over to the XXXX so that my car can be registered. I have faxed the document over 7 times and the XXXX  has twice as well. Every time I call to check its over an hour wait and they tell me they did not receive it. Today they did send me a copy of my title but are refusing to release the original to FL or to send a letter on letterhead that FL needs per FL statute. My homestead is now in jeopardy because of this issue. I either need them to release my original title to FL XXXX  so it can be changed to a FL title or send them the letter on letterhead advising that they have a current lien on the car with the make model year and VIN number of the car.

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 2023-12-12
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Below is the letter sent to US Auto Finance on XXXX XXXX. I have also sent a debt Validation at the later part of XXXX but no response. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX SC XXXX U.S Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I hope this letter finds you well. I am writing to address an inaccuracy that I recently identified on my credit report. After a thorough review of my credit reports, I have noticed that you are reporting an incorrect balance for the following account : US Auto Finance- [ Account Number : XXXX ] The balances being reported by your company to XXXX XXXX XXXX and XXXX XXXX this means the account has not been properly verified. Please delete this account immediately. 
It has come to my attention that there is a discrepancy between the balance being reported by your company. This error raises concerns about the accuracy and verification of the account details, especially after disputing the account for several months. 
In light of this situation, I kindly request that you take immediate action to investigate and rectify this discrepancy. As per the guidelines outlined in the Fair Credit Reporting Act, it is imperative that accurate and verified information is reflected on credit reports. If the balance reported by your company is indeed inaccurate and unverified, I request that you promptly delete this account from my credit report. 
Thank you for your cooperation and prompt attention to this dispute. I look forward to a swift resolution. 
XXXX XXXX I have called the number listed on my credit report but the number is not a working number. I am requesting that this information be deleted from my credit report. I am not receiving any response from the company. I am a consumer and my rights are being violated. This company has filed bankruptcy but is reporting inaccurate information. This is not fair and is hurting 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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: RI
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: Their investigation did not fix an error on your report

Complaint:
In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.

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 2023-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XXXX XXXX without my authorization charged my Bank of America Master Card. I notified the Bank of America which then cancelled the said card and issued me a new one with a different credit card number! 

But the Bank of America repeatedly has refused to delete the unauthorized said charges of XXXX XXXX! 

The Bank of America by law must do so! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX XXXX pro se

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have attached a copy of an FTC report requesting to remove unauthorized/fraudulent collections & inquiries.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
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 spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.

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 2023-12-19
Company: EQUIFAX, INC.
State: NJ
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:
I XXXX XXXX Currently have a Fruad account and inquiries appearing on my credit report. 

Account XXXX XXXXXXXX XXXX {$2400.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief