BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: William D. Meeker Enterprises, Inc.
State: CA
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 submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: NY
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:
There is unverified and inaccurate information on my credit report. I would like this information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: NY
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/19 a payment was submitted for {$1000.00} it should have been for {$100.00}. I called the company and the representative said 3-5 business days to see if it will be approved. My bank is overdrawn and I need the funds back into my bank account as soon as possible.

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 2021-04-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
This is a formal complaint against Credit Acceptance located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Credit Acceptance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
open date XX/XX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Bread Financial Holdings, Inc.
State: MA
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 shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 - 30 AND 60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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:
There is a hard inquiry from a company I have never heard of. I have never applied for a personal loan, so I am confused as to what this is or why it is on my credit report. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am filling a complaint because I sent a letter to Capital One to Validate a debt owed on a use XXXX XXXX XXXX and they did not validate the debt I owed and then repossessed my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Wells Fargo Secured Visa credit card, it was secured with {$300.00} dollars cash, I called to close the account after having it for a few years, and the balance was right at {$300.00} the customer service agent I spoke with stated that he would apply the {$300.00} dollar security to the card and it would be closed. 

About a month later I received a bill that had a fee charge of {$29.00} dollars and some interest charges attached. 

I called the company and was informed that the fee was charged 1 day after I closed the account. I stated that I was not going to pay for a fee after my account was closed. I currently have a {$41.00} dollar bill on an account that should be closed. I have now been escalated to the " Executive office '' for my account to be reviewed, but only after I had called in twice and spent about a half an hour on the phone each time, and then never got a call back. I called again and told them I would be filling a formal complaint. They have applied the {$300.00} to the bill, but I am still receiving the bills for the fees. 

I was told that a claims agent would get back to me within a week. That was over two weeks ago. I called again today and was told the agent was unavailable at that moment, but that they would send a message to call me back. I never received a phone call back. So I called again and was told the agent had left for the day. They left another message for the agent to call me back. This has been going on since start for about two and a half months now.

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 2019-03-30
Company: CITIBANK, N.A.
State: CA
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 XXXX XXXX and my daughter were scheduled to fly XXXX  XXXX from Hawaii to XXXX XXXX. Due to some problems at the airport we missed our plane and had to change our tickets. The change fee was {$120.00}. ( I have a copy of this agreement, but it is too big to upload. ) I gave XXXX my existing tickets and they gave me new ones.

Only when I got my bill did I discover that XXXX   had charged me for **NEW** tickets, a charge of {$1100.00}. I disputed this with Citibank.

They sent me a form letter denying the dispute. I have sent them followup letters, but have been unable to get response. As for today, I don't think they are even reading my letters.

Maybe they will read a letter from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The credit card balance was XXXX and I got a bill on XX/XX/2019 for the amount of XXXX. I thought that it was an error and called Best Buy XX/XX/2019 at XXXX XXXX. They told me that my promotional card expired and the deferral fees applies.I have always pay my account on time and it set up directly from checking account. I ask them if they inform me about this and that I need to pay before the promotial expire, They told me that it is in my statement. I want them to show where they tell the client that payment will increase this much and where in the statement gave me the opportunity to pay my balance before this happened.. This is scam, when I applied for this card they told me that after time if I dont pay the balance then they will start charging the fee howver never said to the customer about charging {$4100.00} for fee .Please see the bill, this needs to be bring to the attention of someone. 

I want to bring them to court because they have been doing this to others

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was charged off by the company XXXX XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Debt Recovery Solutions in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, DRS reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Debt Recovery Solutions that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/10 a check from my husbands account to mine was placed on hold with the reason being they had received notice of a stop payment on the check. After numerous phone calls and days, they were able to confirm it was a mistake on their end and credited the account and apologized. 

On XXXX, the exact same things occurred again. I have reached out to them and have been told there is no time frame for a case manager to address this repeat problem because they are backlogged. 

We have confirmed with my husbands bank that the check was paid and funds were collected. 

Wells Fargo has been completely unwilling to resolve 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 explanation
Consumer complaint received 2019-10-04
Company: Equidata, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do

Company response to consumer: Untimely response
Consumer complaint received 2019-05-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac has continued to hold my insurance settlement hostage for my kitchen remodel after submitting multiple contracts to PennyMac and being told on XX/XX/2019 that everything was being " processed '' and waiting for PennyMac to reach out to the contractors to collect any information so that my kitchen can be completed. Their POC XXXX XXXX has habitually and maliciously ignored and lied and has made it a point to stall payout while profiting off stolen interest on consumer insurance settlements as numerous other consumers have formally complained on numerous complaint websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A company called Ally Financial. A company I have never heard of or tried to do business with pulled my credit report on XXXX XXXX, 2016. This was a hard hit at the credit bureau, probably all three. I just received my credit report from XXXX, saw them on the report. I called them on 3 different occasions and told them I did not try to purchase a vehicle through them. Also they did not have the right to check my credit report without my authority. I spoke with, management, the credit dispute office and the fraud department. They did not want to talk to or help me.They refused to help me get this hard hit off my credit report. The credit bureau told me what to tell them to remove it. They still refused. In my opinion Ally Financial could be part of a larger conspiracy in the fraud and Identity theft going on in this country today. More than the general public might imagine. Companies like theirs do n't need a social security number to pull your credit. So they could do this to hundreds or maybe even thousands of consumers and get away with it. I bring this incident to your attention because why would they be so adamant about not wanting to help me. Maybe they figured that if they helped me they might be opening XXXX 's box or get caught with their hand in the cookie jar.I have filed a complaint report with the FBI in Washington, also the BBB in Minnesota. 
I called the local police dept and they told me they are not listed as a business in XXXX MN. They are operating out of XXXX and the police dept could n't understand why they were using a XXXX address. He refered me to the FBI. I will be calling the XXXX police dept as well. on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE A TOTAL OF 4 COLLECTION ACCOUNTS ON MY CREDIT. I WAS NEVER NOTIFIED OF MY RIGHTS TO DISPUTE .... NEVER RECIVED A COLLECTION NOTICE IN THE MAIL.

I HAVE TWO COLLECTION COMPAINES ON MY CREDIT FOR THE SAME DEBT LVNV FUNDING AND RESURENT CAPITAL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this 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 2017-11-17
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2019-10-05
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 applied to rent an apartment today XX/XX/19 and I was told I did not meet the credit qualifications required to rent an apartment. I was confused because I do not have many credit cards and the few that I do have, I always make sure to pay them on time and keep the balance low or no balance at all. After checking my credit report I found that there are accounts opened in my name that do not belong to me. I suspect that someone named XXXX XXXX XXXX stole my information to open these accounts in my name. I didn't open these accounts and I never allowed anyone else to do so. I do not have any written or verbal contracts with these companies and I never gained anything such as money, goods, services or any other benefit from these accounts that were opened without my consent nor did I ever make any purchases or payments towards this account. I have already filed a police report regarding this situation.

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 2019-10-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE 2 UNKNOWN COLLECTION ACCOUNTS ON MY CREDIT. I DONT KNOW WHAT THEY ARE FOR BUT THE ACCOUNTS ARE NOT MINE. I WAS NOT CONTACTED BEFORE THE ACCOUNTS WERE PLACED ON MY CREDIT.

Company response to consumer: Closed with explanation