BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Collection Company : Financial Asset Management Systems Inc. 
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.

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 2017-10-04
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:
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from 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 2022-04-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

Experian account # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX but on my report the number isnt provid e

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 2021-04-13
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
There was a charge back to my account due to a bank error. I immediately wired the money to my Binance account. I submitted a support ticket to regain access to my trades and withdrawals. I followed all the procedures asked of me and can not get a response from them. They are holding over XXXX in funds in my Binance account and they will not let me have access to them. There is no phone number so I can not contact them. I have tried all avenues including XXXX, XXXX, XXXX, XXXX and no response. Latest ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to TransUnion, XXXX, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not give TransUnion written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer 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 explanation
Consumer complaint received 2019-07-08
Company: Velocity Portfolio Group
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:
XXXX XXXX sold a debt to XXXX XXXX who sold it to velocity investments who filed a lawsuit in XX/XX/XXXX. We had a court date set for XX/XX/XXXX. They failed to show up for court. The judge dismissed for want of prosecution. They never did provide the appropriate documentation according to Texas law on me actually owning this debt because they do not have the right documentation. The judge felt like they had plenty of time to provide evidence. The had thirty days to file a motion. They have three days left to file and havent done it yet. This should be removed from my credit report. If you cant prove I owe the debt in the court of law it should be scrubbed 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 explanation
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I have been working for over 6 weeks with a local title company to obtain a paid in full letter or lien release for a loan we had with Truist Bank. Our Home Equity Line of Credit was originated by Suntrust Bank who merged with Truist Bank. Our HELOC was paid in full on XX/XX/21 and was never released/reconveyed by the Lender. My wife and I and the Title Company have made dozens of calls and sent numerous emails to Truist to resolve this issue. Truist has no record of our HELOC but has promised numerous times to mail out a paid in full letter. This has never been done. We are now about to be XXXX  as we have only a few days left to send over funds for a home purchase. Truist Bank has 75 days by law to provide the lien release and is in violation of the law. We need this issue to be resolved IMMEDIATLEY!!

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 2017-10-04
Company: Experian Information Solutions Inc.
State: MA
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:
CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try 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 non-monetary relief
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CFPB, Back about XXXX years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX Eventually, after at least a dozen credit denials, a mistake was made by either XXXX XXXX XXXX Transunion approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try 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 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone stole my identity and obtained this account I have notified the Experian and the others that this account is a result of identity theft and I would need a verification but evenso it would still be invalid because XXXX off is a result of identity theft and now is hindering me from getting a business loan and support my business to pay my XXXX XXXX and support myself, please look into this and reconsider and remove off my reports because this is keeping me in a bad financial hole.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: The CFM Group
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan was sold without my knowledge, during COVID. The original loan was held by XXXX  XXXX XXXX and unknowing sold to DCR.. The Loan with XXXX was automictically debited from account. During COVID, the loan was abated for over 9 months, during this time the loan was sold. The new mortgage company DCR, never sent statements to this date.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX went to my bank ( Wells Fargo ) yesterday XXXX/XXXX/XXXX at XXXX am to make a withdrawal of {$XXXX} from the ATM # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. My son was very late for work and after putting the ATM card in the machine and indicating the amount, he grabbed the card and drove off without taking the cash. Immediately afterward, he realized and returned to the ATM. But there was a message on the screen that said " cash retained ''. 

As such, I believed the bank would do the necessary adjustment. But that was definitely too much to consider of the bank. Two hours after I received a notice saying that my account has been overdrawn. So I then called the bank to report the matter. I was subsequently granted a claim number XXXX and was told that it will take approximately 10 to 15 days to investigate the 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 monetary relief
Consumer complaint received 2017-10-04
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:
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : 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 explanation
Consumer complaint received 2021-06-11
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
Okay I want to start by saying I don't understand why this agency consumer finance do not take more legal action against Credit Acceptance they have to have numerous complaints against this company because they deliberately tried to destroy people Credit and report false information on people 's credit report, the lawsuits about this company is horrifying lawsuit on top of lawsuit why is this company still being able to remain open this is horrible I had a car with these people back in 2019 it was totaled I paid on it for a whole year prior insurance paid the value of it I'm not paying them anymore money they keep adding to the balance on my credit report and I feel that it's illegal to keep adding to a balance and you know longer possess their property I thought that this agency handling this was more affiliated with Washington because I just don't think that this agency consumer financing bureau can really do much, all the years that these people have taken advantage of the public something needs to be done to this company to be shut down I want to really take this to Washington because it's apparent something is not getting through, this can't be possibly be right to be treating customers like this and you are still open you can barely find a positive review on these people this is really bad and I'm sick of them posting slight increase after increase on my credit report I have found so many complaints against this company and nothing has been done it's falling on deaf ears upon investigation they have been sued a million times civil lawsuits everything you can possibly imagine and they still remain open something is not getting through to shut this company down after I submit this I want to go to a higher authority because the proper help is not being done against them, this should be against the law to treat consumers like this and for the life of me I'm going to keep posting and posting until something is done about this someone has to stand up against this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I talk to some XXXX today at XXXX pm from the fraud department the lady name was XXXX XXXX XXXX I was trying to dispute some fraudulent Inquiries I let XXXX XXXX XXXX know my Inquiries I did not authorize and I let him know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. He was not helpful at all and have bad Customer Service My problem was not resolved. Here are the Inquiries need to be remove Inquiry details XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX 2020

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 2022-04-29
Company: Bread Financial Holdings, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 6024 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I bought an XXXX XXXX from Best Buy in XXXX XXXX using Citi Credit card issued by Best Buy itself. I paid off my balance in XX/XX/XXXX. I was surprised to hear Citi contacting me to pay some {$200.00} that they said I had not paid. They contacted me for the first time since last year only in XX/XX/XXXX, a month ago. 

As soon as I received the notice from Citi, I called Best Buy if, indeed, I still owed them since I paid off last year. Their answer : " You don't owe us anything. '' Citi has now sent my account to collection. This obviously is not fair and is wrong. I have called Citi several times with no help forthcoming, despite the fact that I had to wait several minutes for someone to talk to me. A lot of times it was their machine that talked back to me and I had to give up. I appreciate your help to protect my excellent credit history/ record. 

Thank 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 2017-10-04
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mother applied for a mortgage with Jersey Mortgage Company. The mortgage broker XXXX XXXX contacted me asking if I would consider being a co-applicant with my mother on her mortgage. I explained to XXXX XXXX I have a XXXX credit score and XXXX in student debt and I do not feel comfortable assuming more debt. XXXX XXXX continue to call me at work assuring me he would only run my credit for informational purposes to give me an understanding of what I could possibly qualify for. 
Somehow the mortgage was issued under my name and I received a phone call from XXXX XXXX agency in XXXX New Jersey. 
The employee asked me to meet her in XXXX XXXX XXXX  to sign mortgage closing documents. This sounded very absurd to me considering I never agreed to be a co-applicant on my mothers mortgage. I have been unsuccessful at disputing this error with the credit bureaus. I am requesting immediate deletion of this error made by the mortgage company. Please check payments made on this mortgage account which were paid by my mother XXXX XXXX the sole owner of this mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Harley Davidson Financial Services Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.

Company response to consumer: Closed with explanation