BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

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 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
experian is reporting a fraudulent account, XXXX XXXX XXXX, account number XXXX date opened : XXXX XXXX XXXX, also the address XXXX XXXX XXXX XXXX ny XXXX. 

XXXX is reporting a fraudulent account XXXX XXXX, account number XXXX open date XX/XX/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 2021-02-24
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several weeks ago I contacted the Nelson Cruz and Associates company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX  report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 2021-05-20
Company: FC HoldCo LLC
State: LA
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 never gave this company permission to request my credit.

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 2020-11-24
Company: Millco Management
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2020-05-27
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is apart of class action suit against XXXX and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and XXXX didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXXXXXX  XXXX https : XXXX  Here is another lawsuit : https : XXXX Now this new company : NCB MANAGEMENT SERVICE is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from NCB MANAGEMENT SERVICE regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : American Internet Mortgage ( AIM ) Issues : ( A ) Unauthorized Automatic Withdrawal Payment, ( B ) Fraudulent Journal Entries In Loan Account, ( C ) Fraudulent miss-allocation I am in the process of refinancing an existing mortgage with AIM. 

I was advised by new lender that I should not make the XXXX payment because it would not be credited in time to be reflected on the AIM loan payoff letter. Accordingly, in late XXXX XXXX, I cancelled my automatic loan payment for XXXX XXXX with AIM ( I received an automatic cancellation receipt from AIM ). Subsequent to my auto payment cancellation, I discovered the new lender anticipated delay in closing on the AIM replacement loan. Therefore, I decided to make a one-time payment to AIM for the XXXX XXXX payment, which I set up to to occur online, in late XXXX XXXX. *During this time AIM had already received 2 payoff request letters from the new lender plus one payoff request letter from me, so AIM KNEW I WAS IN THE PROCESS OF REFINANCING* Issues : 1. Despite my cancellation of the auto payment ( for which I have a receipt ), AIM illegally, and incorrectly processed the XX/XX/XXXX auto-payment anyway. AIM loan account shows this transaction as having taken place on XX/XX/20 ( I learned about this on XX/XX/20 ) 2. I made an online one-time payment in full, for XXXX AIM loan. My personal bank account posted this transaction on XX/XX/XXXX, and AIM posted this on the loan account on XX/XX/XXXX. 

3. On XX/XX/XXXX AIM posted XXXX transactions to my loan account, ALL OF WHICH WERE INCORRECT. First incorrect ( Fraudulent ) transaction was a payment reversal for the auto-payment which was originally cancelled online, but actually illegally pulled from my bank account by AIM on XX/XX/20 ; second incorrect transaction was a payment credit with the incorrect principal and interest amounts reflected on the AIM account ; third was another payment credit posting to my account, by which interest was charged for a second time in XXXX. 

4. the third transaction posted to my account on XX/XX/XXXX was a second payment, by which I was charged interest for the same period of time ( double charged interest, instead of full principal amount applied to loan ). This was a fraudulent application of funds. 

In summary : I only authorized one ( 1 ) payment for XXXX, but AIM debited my bank account by two payments in net. AIM then incorrectly reports a reverse payment on my loan statement ledger, which was a fraudulent entry ( the only two entries on my account should be two full amount payment for XXXX XXXX period, one on XXXX, the other on XXXX. There should be no reversals ). AIM then re-added / credited my loan statement with both payments, but fraudulently charged me interest for both payments covering the same period of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, CBNA, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-04-11
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My name is XXXX XXXX and I am contacting you in regards to my credit report showing PNC BANK NA account that was reported as a charge off and then paid in full, I have contacted PNC and they said it will take 7 years for the charge off to be removed from my credit report because they do not pay for removals, I explained it was an honest mistake because I had a secured credit card with a balance of {$300.00} along with a checking account, When I closed my checking account with PNC.bank I was under the impression that the remaining balance on My {$300.00} card would be deducted from my checking account before giving me the money, But unfortunately it was not and without any correspondence from PNC it went completely unnoticed, Then it showed on my report, So I am asking you to please forgive and grant me a goodwill adjustment by removing the paid account off of my credit reports, it has a significant effect on my credit score and I am currently trying to get approved for a mortgage, I hope you grant my request in a goodwill adjustment and remove PNC from my account, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA USA has been stealing my deposits. Whenever I go to access the deposited funds the customer service line tells me the funds are unavailable. This has happened with the last two deposits. The bank stole them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor XXXX XXXX be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( XXXX XXXX ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of 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 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX and XXXX XXXX XXXX are both reporting for the same debt on my credit file. This is in clear violation of the FCRA. This double reporting is affecting my credit and needs to be fixed.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: UT
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 XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.

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 2017-09-15
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently obtained a copy of XXXX XXXX credit report from and found the following item to be in error : To wit on XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX, Illinois and purchased a brand new XXXX  XXXX XXXX. On that said date, I gave written authorization to the on-premise XXXX XXXX XXXX  to process a hard inquiry to secure an auto loan which I was approved for in the amount {$34000.00}. 

After recently reviewing my credit report I have discovered a 2nd credit inquiry request by XXXX XXXX XXXX which may have been done in error. I only authorized XXXX XXXX XXXX which was located on the XXXX XXXX XXXX premises to procure the hard credit inquiry for the purpose of securing an auto loan. Please remove the 2nd hard inquiry attributed to XXXX XXXX XXXX on that same day ( XXXX XX/XX/XXXX ) from my permanent credit files, as it was done in error and/or without my written authorization.

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 2019-02-26
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a 48 month lease with US Bank on a brand new XXXX I am selling my to a private party ( Lease is 5 months old ). Us Bank will not give me the payoff without the taxes included, and will not release the Title unless the taxes are paid at time of payoff to them.

This is ILLEGAL in the state of California via XXXX XXXX and XXXX in addition to publication 34. It states I have 10 days to transfer Title to a 3rd party who is responsible for paying the taxes. In addition to being illegal, I am selling the vehicle for less than I owe which means I am responsible for more tax than is actually owed at the time of sale to a 3rd party. I have stated this to US Bank and they told me tough luck.

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