BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Accelerated Financial Solutions, LLC
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: Old information reappears or never goes away

Complaint:
ACCELERATED FINANCIAL XXXX IS APPEARING ON MY EXPERIAN FILE. 
ACCELERATED FIN. IS AN AGENT OF XXXX XXXX XXXX   THE DEBT BUYER WHO OWNS THE DEBT.THE ORIGINAL CREDITOR IS XXXX XXXX. 

THIS SAME ACCOUNT WAS DELETED BY XXXX  ON XX/XX/2018, BUT THE DEBT AMOUNT HAS BEEN CHANGED BY XXXX DOLLAR AND THE CREDITORS NAME HAS BEEN CHANGED TO THEIR AGENT 'S NAME WHOM THEY EMPLOY.IT WAS XXXX XXXX XXXX   ACCT NO XXXX. 

FOR XXXX TO PERMIT THIS FRAUD TO OCCUR IS A CLEAR FCRA VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: ENOVA INTERNATIONAL, 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:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX  XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of XXXX I purchased a car loan from XXXX. I financed the car through Santander Consumer. 

I am now nearing the end of my loan due date or maturity date as of XX/XX/XXXX. I have owing still XXXX. I have no idea why this is. The car is only worth XXXX or so dollars. I've been trying to purchase another vehicle but to no avail because I'm upside down on my loan. 


I have since contacted Santander Consumer about this problem and they have told me I can keep the vehicle even after the maturity date but was told it would negatively effect my credit due to the loans maturity date and still owing. 


I was never told I would have a remaining balance owing at the end of my loan. And have wrecked credit due to them reporting me late until the car loan is paid in full even after the maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See complaint ID : XXXX Continued attempts to collect a debt not owed. All previous debt collections agencies that XXXX XXXX has sent this debt to have discontinued contact. 

XXXX continues to have these debt collectors harass me.

CFPB, Credit reporting agencies have all decided in my favor. 

I want XXXX to tell me they are no longer going to purse this bogus " debt '' or I will pursue legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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:
Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.

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 2018-08-15
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX  app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I contacted care credit to see what the minimum requirements were for getting approval on an application. They could not provide me a credit score or debt to income guideline. They only stated that they could not advise a client of what was needed in the event that it deterred a client from applying. As a consumer I asked for the transparency of truth in lending and cfpb to please be recognized and provide the requested information. They refused. How am I, as a consumer, allowed to make a well informed decision on when to run my credit if the providing company will not share specific details that their system and underwriters are privy to? I would like a better response to this question or at least know if they are within guidelines to denied me this information. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Credit inquiries on your report that you don't recognize

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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I submitted a complaint with you. My main complaint is that the only documentation I received state " This communication is from a debt collector but is not an attempt to collect a debt. '' The collection agency even provided you with the same documentation. If they are not trying to " collect a debt '' then why did they call me incessantly for over 15 months? If they are not trying to " collect a debt '' then why did they report me to the credit bureaus? If they are trying to collect a debt, then they can send me a request to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to collect my credit report from Equifax and XXXX XXXX. 


Both these credit bureaus have sent me XXXX reports. 

I have sent them over all of my information requested and have yet to recieved my reports per request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: First Data Corporation
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 status incorrect

Complaint:
I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I never does business with this company CBE Group they got my phone number and call me and I already told them that they has the wrong person and there respond was ok I will remove your number from the caller list, My credit report with all three agency has been Frozen along with a fraud alert, and on XX/XX/XXXX around XXXX I receive a alert from XXXX that this company report a collection on my credit report in the amount of {$2800.00} I am disable has not work since XXXX received social security since XXXX so please I am asking you to have them remove this account asap thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
I never did and currently do not have any collections of charge offs with the Department of Veterans Affairs. Experian has stated that they have verified this information which I know they have NOT because it is not true and after numerous requests they have not provided me with a copy of the verification which is required by LAW under the FCRA. This needs to be removed immediately because they are in DIRECT VIOLATION of the FCRA by reporting false 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 2018-08-15
Company: Experian Information Solutions Inc.
State: ND
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:
On XX/XX/2018 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for XXXX inaccurate accounts which do not belong to me from ( 1 ) XXXX XXXX Account, ( 2 ) XXXX XXXX Account and ( 3 ) XXXX XXXX Account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2018 Experian signed the return receipt. On XX/XX/2018 Experian sent me report # XXXX with dispute results which clearly shows they are continuing to report unverified accounts which is against federal law. They have failed to provide me with a signed consumer contract. 

I have attached a copy of the letter Experian received dated XX/XX/2018, the signed return receipt dated XX/XX/2018 and the updated Experian credit report # XXXX dated XX/XX/2018.

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 2018-08-15
Company: EQUIFAX, INC.
State: PA
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 : XXXX XXXX XXXX has or obtain and committed fraud by running or running an Inquiries with out my consent as on XX/XX/18 on my Equifax report with out my permission as well I have not ask or requested any credit from this company or sign any document to obtain credit.I 'm also filing with the department of justice on XXXX XXXX : XXXX XXXX XXXX and Equifax with the department of justice to why my credit is effeted by Equifax/XXXX XXXX : XXXX XXXX XXXX Will also be filing a law suit on this company and Equifax for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had made a purchase at XXXX XXXX for {$1000.00} on XX/XX/2018. I had returned the item immediately to them and XXXX 's took a long time processing the refund, but it was processed on XX/XX/2018. During this time I had made a payment. Interest had accrued and was not posted to my account until after that. Based on {$8.00} interest, It was reported to my credit as a late payment. I was not made aware that I had a balance on my credit card for {$8.00}, and I should have been notified before it was reported to my credit agency. This is ruining my credit score.

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 2018-08-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/2017. My home 's value went up since closing. I financed it from Wells Fargo. According to Wellsfargo home mortgage website I am able to cancel your PMI earlier, based on its current value. I called Wells Fargo mortgage department to get more information about how to cancel my PMI. I was told that if my homes value is more than {$300000.00} I am able to cancel it. I was also told that I need to get a home value assessment to confirm its value. 
I filled out the necessary papers and pais {$200.00} for the assessment. They sent a broker for the assessment. The broker assessed my homes value around {$340000.00}. 
I called Wells Fargo to learn when the PMI is going to be cancelled I was told that I am not qualified for cancellation because I havent done any significant structural improvement. 
When I called them at the beginning they never told me that I had to do structural improvement. Now, they are telling me that I have to do around $ 27K improvement in order to cancel the PMI. 
I was misguided by Wells Fargo website and its customer service representative about canceling PMI. 
Later, I called they customer service for a resolution and created a case number more than a month ago. No one called or emailed me regarding my complaint. I called several times their customer service to find an answer but no answer.

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 2018-06-21
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous calls from XXXX XXXX XXXX. They are claiming that I owe money. I returned their call, and ask them 1. Who are you- 2. Who do you want to talk to. I received no response to my questions, but they just keep on calling. Also I said that if I owe money send me a letter and I will pay it-if I owe anything. Again no response. I am XXXX years old with a XXXX XXXX- and would like for them to tell me something or stop calling me.. If we are a nation of laws - then this abuse of their power must be stopped.. XXXX XXXX disconnected me- after they failed to justify why they were calling me..

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 2018-08-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The company i am speaking on today is Equifax. Below is a list of credit inquires that I have no clue about, i have reached out to customer service and they were no help at all. I have no idea how else to go about this issue. One of the other credit companies had an issue where inquires were gone then they came back. Not sure if this was the same issue or not. Below are the inquires.

Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX   Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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