BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never 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 2017-10-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
WE XXXX XXXX XXXX HAD IN TOTAL ( 5 ) CHECKS THAT WERE CASHED AND ACCEPTED BY HUNTINGTON NATIONAL BANK. CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} AND CHECK # XXXX {$3200.00} # XXXX $ XXXXIN TOTAL {$19000.00}. THESE CHECKS WERE NOT WRITTEN NOR AUTHORIZED BY US. THE CHECKS ARE COUNTERFEIT AND CAN BE NOTICED JUST BY LOOKING AT THEM. WE XXXX XXXX XXXX NOTICED ALL THE ABOVE CHECKS WERE CASHED WITHOUT OUR KNOWLEDGE ON OR AROUND X/XX/2017. UPON NOTICING THESE CHECKS WE CONTACTED HUNTINGTON NATIONAL BANK AND ASKED WHY THESE CHECKS WERE NOT DENIED, JUST BY LOOKING AT THEM YOU CAN TELL ARE VERY OUT OF SINC AND COUNTERFIT. FOR ONE WE ALWAYS HAVE OUR PHONE NUMBER LISTED UNDER OUR ADDRESS AND WE ALWAYS HAVE SOMETHING WRITTEN IN THE MEMO BOX, AND THE CHECKS ARE OUT OF SEQUENCE AND THE AMOUNT IS WRITTEN WAY LARGER THAN ANYTHING ELSE. BOTTOM LINE IS THESE CHECKS ARE SO OBVIOUS TO THE EYE WE ARE DUMBFOUNDED THAT THESE WERE ACCEPTED BY HUNTINGTON BANK. AFTER WE CONTACTED THE BANK THEY SAID WE WILL GET RIGHT BACK TO YOU, IT TOOK THEM 2 WEEKS AND THEY FINALLY SAID CALL THE POLICE?? .... UPON CALLING THE POLICE THEY CAME TO OUR LOCATION AND SAID THIS IS A MATTER FOR FRAUD NOT STOLEN CHECKS. TO OUR BELIEF, HUNTINGTON SHOULD HAVE KNOWN THIS OR AT LEAST DIRECTED US. THEY NEVER SENT ANYONE OUT TO OUR LOCATION, NEVER ASKED FOR A MEETING, JUST KEPT PUTTING US OFF, ALL WE WANT IS OUR MONEY THAT WE FEEL WAS CRIMINALLY TAKEN FROM US. THIS COULD BE HAPPENING TO SOMEONE ELSE AS WE SPEAK AND FOR HUNTINGTON NOT TO GET ON TOP OF THIS IN A TIMELY MATTER IS GOING TO CAUSE THAT. A LADY CALLED US ON XX/XX/XXXX SAYING SHE RECEIVED A CHECK FROM US AND DID NOT FEEL COMFORTABLE CASHING IT. SHE SENT ME THE CHECK THEY SENT HER AND TOLD ME IT WAS A SCAM, SHE SAID SHE WAS LOOKING FOR A JOB AND THEY ( SOME COMPANY ) WAS GOING TO SEND HER A CHECK AND SHE NEEDED TO CASH IT AND SEND THEM {$2000.00} FOR HER SUPPLIES AND KEEP THE REST WHICH WOULD BE {$1400.00} SENT BACK TO THEM, THIS IS EVIDENCE THIS WAS ALL A SCAM. ALL WE ARE ASKING FOR OUR MONEY BACK TO OUR ACCOUNT WHICH SHOULD HAVE BEEN PROTECTED BY HUNTINGTON BANK. IF CAN NOT BE PROTECTED BY YOUR BANK WHO CAN WE TRUST TO BE PROTECED BY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: GA
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:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
On XXXX XXXX I sent a letter regarding an accurate 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 ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I never authorized these accounts. These accounts are hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I keep getting calls and mail from portfolio recovery for a previous resident that doesn't reside at my address anymore. I've asked them to stop calling my phone they then turned around and called my other phone number yesterday. Today that persons mail from them was in my mailbox. During the first call i was asked if i was the wife of this person? Portfolio recovery is steady harassing me and my residence. I wish they'd stop sending mail here and calling my phone. I don't have no accts with them all of cc 's are current and not in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've had a federal student loan since XXXX, when I graduated. First with XXXX XXXX, who was bought out by XXXX in XXXX, which is when I began the income based repayment plan. In XXXX, I switched to Fed Loan Servicing. I was told that I would not loose the years I'd put into the income based plan since XXXX. I was given mis information ( I would say I was lied to, given the fact that I specifically asked whether I would be keeping the years I had on the payment plan. 

In addition, I never received a letter describing the plan that I'd agreed to at the time, which I was told today that I should have received. 

I am now being told by Fed Loan Servicing that the years I was on income based with XXXX XXXX XXXX were wiped out when I consolidated with Fed Loan Servicing in XXXX. 

I consolidated because I was told I'd get a better rate, and be able to stay on the federal income driven plan ... why would I have agreed to lose 6 years. 

I am beyond frustrated with the lack of ethics, and disregard for educators, who have served our children for decades!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX sent ftc violatons taking more than 30 days

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 2017-10-30
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Flagship Credit Acceptance has not been processing payments in a timely manner. I have sent a series of payments to try and determine how long it takes for them to post payments to my account in the last month they have been taking longer than is acceptable for a business that is charging interest and penalties for late payments. 

Date sort by ascending Payee sort by ascending Payment Method sort by ascending Reference Number sort by ascending Amount sort by ascending Status sort by ascending Days to Clear XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$670.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$100.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX I have requested a pay off for this loan but cant be sure that they will process it with in the 10 days that the payoff quote is good for.

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 2021-11-06
Company: ORG GC GP Buyer, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan has been paid and removed from the loan company that is on attachments with other documents. It has been paid as of XX/XX/2012. After some years I started receiving letters again from another new collection agency. Please review and have this company not send any documents of unpaid loan. Your response on this issue and complaint will be greatly appreciated. Name of the company that is sending me this notices is GC Services Limited Partnership, XXXX, Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX, Experian all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.

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 2018-09-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I called in, on XX/XX/XXXX to see if Im eligible for the pay over time feature. I was not but the representative I spoke with advised that if I upgrade my class American Express gold card to and premier American Express that Ill have it automatically. The premier gold cost more as well. I have tried for them to help me but they wont. They have the call recorded where she lies to me to have me upgrade.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity scammed in XX/XX/2017. Notified XXXX and the others, filed police report and complained to the bank US Bank.Cleared the overdraft charges with XXXX XXXX XXXX XXXX and paid out of pocket. Nothing was done to satisfy the other damages to discredit my name. 
A title Loan was satisfied by taking my auto ; but, my credit was not cleared. Other evictions on my credit were appealed with little success ; however, the incident is over 12yrs old and should have been cleared.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-11-30
Company: EQUIFAX, INC.
State: TX
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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 have reached out to XXXX, Experian, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

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 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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