BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: Tate and Kirlin Assoc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a collection notice for {$110.00} from Tate & Kirlin Associates Inc. of XXXX, PA. The Current Creditor Listed is XXXX XXXX. Reference # XXXX. The notice is dated XXXX XXXX XXXX, and was received on XX/XX/XXXX. 

I have received calls alleging tht I owe for a " XXXX XXXX, '' which I had never requested, nor received, nor has anyone else in my household. I have no record of any contract with this company, nor have they provided one. I also had never received an invoice, " past due '' notice or even an email. The collection notice was the first and only mail I have received.

The closest thing that I have received is a Fraud Alert from XXXX XXXX  on XX/XX/XXXX. 
Below is a copy of that alert, name and card number redacted : -- -- -- -- -- -- - Action Needed : Please confirm activity XXXX  Fraud Protection Services : XXXX debit or ATM card ending in [ # # # # ] [ name ] Did you or someone you authorized use your XXXX  debit or ATM card for : A transaction of {$110.00} that was declined at a subscription merchant INTRAPOWERBREAKTHROUGH in XXXX, CA XXXX on XX/XX/XXXX -- -- -- -- -- -- -- Aditionally, cursory Internet research indicates less-than-exemplary reputations, with a number of claims of unethical, possibly illegal activities against them. I am not qualified to make such a judgment, but it seems prudent to proceed with caution! 

All this leads me to believe that an attempt to perpetrate fraud is being attempted. Your attention to this is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Account information incorrect

Complaint:
I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an XXXX agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, XXXX charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted XXXX to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe XXXX {$0.00}.

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 2022-06-19
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - 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 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. I am not liable for these inquires and do not have a contract with XXXX  They have repeatedly failed to provide me with the original application as requested. per 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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: Information belongs to someone else

Complaint:
I have tried to dispute this account with XXXX, XXXX, and Equifax. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: MO
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 have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Open Dealer Exchange, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, 700 CREDITXXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: OneMain Finance Corporation
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX  XXXX  add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Santander is reporting a late payment XX/XX/2020. There was not a late payment that month. Please remove from my account or update with late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX, my son received a beating at the hands of a bunch of XXXX kids off campus because he wandered into their territory. Hospital stay, concussion, contusions, etc eventually resulted in him having XXXX. I guess this caused him to forget that he needed to change his autopay arrangements with his student loan. So, Sallie Mae came a calling when the account debit failed. I called them proactively in the morning of XX/XX/XXXX and explained that we will be making arrangements, but not to expect a payment until Tuesday XX/XX/XXXX. Almost immediately after hanging up, I proceeded to get multiple robodials calling me about the same situation. 

I used to manage a collections application for XXXX. I know the law. They are not allowed to contact more than one time a day. That is harassment. I explained that to the rep, and she proceeded to try and correct me. I'm like I had an application for 3,000 collection reps in 8 call centers in 3 countries. Don't tell me that it isn't against the law to call multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
i'm the tenant living at XXXX XXXX XXXX XXXX, NY XXXX XXXX . XXXX. There was a certified letter from Rushmore Loan Mortgage company in the mail box, of which I left on the counter. The reason I'm contacting the CFPB is because I sent a letter to the SEC with a bunch of documents, because XXXX XXXX the condominium owner was XXXX and after one year the property is still in his name. and from XX/XX/XXXX to XX/XX/XXXX the property went through foreclosure. Some how the condominium board was able to collect the rental income from XX/XX/XXXX to XX/XX/XXXX from NYCHA while I paid my portion to XXXX XXXX. I was never served the required documents under RPAPL 1304 thru 1307. NYCHA can't produce documents showing XXXX XXXX XXXX compliance with RPL 339 : aa, z, kk. DHCR refuses to supply XXXX XXXX XXXX response to my complaint. So, my question to CFPB is Rushmore Loan Mortgage company so corrupt that they would open a mortgage loan in a dead man name? If the loan was taken out prior to XX/XX/XXXX ( the date of XXXX XXXX XXXX ) how did they receive the mortgage payments, because no estate file is filed with the XXXX Supreme Court. I haven't had a landlord in over a year and I'm curious why Rushmore Loan Mortgage Comapny would be sending certified mail to a decease person. I believe the SEC didn't investigate because the XXXX XXXX XXXX XXXX and the State of New York Retirement Fund was invested into the property,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified by mail on XX/XX/2019 that an apartment complex had turned over a debt they claimed I owed to a collection agency ( National Credit Systems Inc, XXXX GA ). I  sent a letter ( per the Federal Fair Debt Collection Practices Act ) to the collection agency on XX/XX/2019 disputing the debt and asking for more information because I do NOT owe the apartment complex any money. I do not know why they sent me to a collection agency. I asked for more information and never received it from the collection agency. I called the collection agency on XX/XX/XXXX and they stated they were doing an investigation. 
I have not received any communication from the collection agency in writing since I have asked for proof of the debt. However, the collection agency has reported this on my credit report and I was given a higher rate on auto insurance because of the " so-called '' collection item on my report. 
After that happened I decided to learn how to report this unscrupulous agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I attempted to apply for a business credit application via XXXX ( Synchrony ) and included ONLY my EIN # which is XXXX. However, this application caused a hard inquiry on my personal credit report with XXXX  which should have not happened. I never once provided my social security number. I submitted a dispute with XXXX  and they came back saying the accuracy was verified. This is so wrong because I thought I was applying for a business credit card but the app was for a personal and it was rejected but they submitted a hard inquiry. 

I talk to XXXX and XXXX from Synchrony who was no help and would not here my concerns and didnt want to help. 

This is so wrong on many levels and I need some assistance getting this inquiry removed as I did not authorize this. 

Please contact me at XXXX if any questions or needed. 

XXXX Thanks, 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at XXXX XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice. 
15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately. 
Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. 
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After pass few months of not being provided with my account monthly statement by Wells Fargo bank I complained on the branch I use to deposit and visit frequently. At that branch I received computer copy of my transactions non officials statements from the Wells Fargo headquarter which from time to time show different information from the statement provide by the branch at XXXX of XXXX XXXX. it has been the main reason because my claims or allegation some times are late, for instance in order to have the year XXXX and XXXX statements I had to call the bank too many times and finally ending the year XXXX I received copies of the three years on the branch. on XX/XX/XXXX I notice an unusual withdrawal, agree to the bank statement per an amount of {$5000.00}. since I have been auditing my Wells Fargo bank account and I found the fact that my account has been vulnerated from the year XXXX through the year XXXX for instance, in XXXX XXXX, XXXX the bank charged my account {$3200.00} for a withdrawal in branch store at XXXX XXXX XXXX. I rejected such a transaction. In XX/XX/XXXX my account was charge per an amount of {$5000.00}. I had rejected that charges on my account because I did not make those draft. I have contacted the bank for more than 30 charges the bank has made on my account since XXXX through XXXX. I had complained but the bank is not paying attention to my complaints, the personnel take some notes and the following day it send me a letter rejecting my claim the bank is mocking on my claims. I have the document which support my allegations and I am able to summit them to any investigation before an impartial governmental institution or regulators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with HSBC ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i did a debt settlement to resovle my debt it got reduced and i paid up the amount they agreed to they where suppose to take the derogatory mark off my credit off my report and my husband XXXX XXXX report that was 4 or 5 years ago its still not off its dragging our credit down i have submitted complaints it never gets removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Avant Holding Company, 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:
Today is XX/XX/2022 and I check my emails everyday and today I received an email saying I applied for an avant credit card when I know I did not iam trying to fix my credit not add more to it I seen on my XXXX account that different individuals are usen my information from me using unsecured sites I wrote avant and they have not got back to me I contacted numerous sites that has used my social security number and I'd number and they don't even live in the same state as me

Company response to consumer: Closed with explanation