BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: Home Loan Center, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX   that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX  Amount Disputed : 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 2021-04-12
Company: EQUIFAX, INC.
State: CA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was reviewing my credit report and noticed the my Victoria Secret credit card was being reporting twice. One was my correct card i have had for 18 years, with current balance of {$0.00} and another was a fraudulent account showing balance of {$2400.00} XXXX around XXXX which Victoria secret had already handled and took care of but was still showing on my report. I printed out my credit report and specifically outlined with detail to remove the account with a balance as that was incorrect and not my account, but to NOT touch my open mature account ive had for almost 18 years with a {$0.00} balance and open credit line. This was very detailed as i DID NOT want my account closed. A month later when i went to check my credit report i noticed by long standing credit account with Victoria Secret had been closed. I was devastated as not only did that lower my available credit but it took away years of my credit history. I was in the process of starting to pay things down on my credit to build up my credit and this really hurt my credit. Again, i did not request this account closed and when i called Victoria secret they understand this was a error but advised they could not reopen my old account. I request the CFPB to please request them to reopen my long standing account that i was in good standing with as this was done in error please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After receiving my recent credit report from Transunion I noticed that an account under the name XXXX XXXX XXXX XXXX has been submitted to my Transunion credit report without notice as required by federal law 5 business prior. A violation of federal law section 1681 of the FCRA rules.

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 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and Transunion provided my information to XXXX XXXX who submitted my social with a false address. I called Transunion to request they remove the credit inquiry since their dispute service online does not allow me to dispute inquiries. They told me to send a letter with several pieces of information. I sent that letter to Transunion on XX/XX/2018 and have not received any communication from them since.

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 2020-08-02
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

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 2019-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/19 I deposited {$610.00} via phone deposit into my Bank of America ( BofA ) checking account. The screen stated {$200.00} available for cash and {$410.00} available to cover items posting on XX/XX/19. That was overridden and a hold was placed on {$410.00} until XX/XX/19 which caused two payments to bounce. I spoke with XXXX via telephone support and she told me it was because of my NSF activity that they placed the hold - in other words it was my fault. If I had know they were going to do this I could have driven to my credit union, taken cash out and deposited that at BofA. They constantly push customers to use their online and phone apps so I assumed I was doing the best thing at the time. 
On XX/XX/19 I received notice from XXXX ( my credit union ) that BofA had tendered the check and {$610.00} was deducted from my account ( at XXXX ). So the BofA transaction posted overnight in less than 24 hours. Yesterday, XX/XX/19, I went into the local BofA branch to complain because now I had two returned items and two NSF fees equaling {$70.00}. XXXX XXXX was very helpful and in fact reversed four charges to help right the situation, however the hold was not released on my deposit. I went back to the branch today and spoke with XXXX XXXX who had quite a different tone. He said he could not release the funds. I showed him my XXXX account and how the check had cleared on XX/XX/19 and been paid by XXXX. He seemed disinterested and said there was nothing he could do. I ask whom I could speak with in authority to get something done. Again, he was interested in trying to help me resolve the situation. He continued to tell me to call the 800 number for customer service. I told him that the funds being locked up was going to cause me to bounce more transactions and this amounted to predatory banking. Again, he couldn't have cared less. I said " so there's nothing you're even going to try to do to fix this? '' and he said " no. '' When I asked him his name, his clear English turned to thick XXXX accent so I had to ask him his name several times. Finally I asked him for his business card.

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 2021-01-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This vehicle was repossessed by XXXX XXXX in the State of Florida. 

Under the laws of the State of Florida XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a lot of letter to the bureaus such as XXXX, Equifax and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX I made the final payment on my XXXX XXXX XXXX to JPMCB Auto Finance, for {$180.00}. On XX/XX/XXXX the electronic check cleared my bank. Since then they have admitted they received payment but they can't track it down in their system. I have made several attempts to clear this up with them and spoken to several senior account managers with no results. I have a copy of the electronic check. they also keep changing the date for the completion of their investigation. This has now shown up on my credit report as over 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX   MASTERCARD  among others.XXXX  MASTERCARD  investigators established the account was verified accurate and kept active, and refused to correspond with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Oklahoma Student Loan Authority
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Concerning Oklahoma Student Loan Authority XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXlahoma XXXX, OK XXXX OSLA is reporting my student loan a being sent to collections in XXXX of XXXX, they still have not update or fixed this problem. This loan was discharged due to TOTAL and XXXX XXXX of a XXXX veteran on XXXX XX/XX/XXXX. The other problem is that there is a moratorium on student loans payments from the COVID-19 relief bill and no student loans should have been sent to collections. This is a total mismanagement of student loans by OSLA. This is hurting XXXX veterans, that have served this country. This is showing on my XXXX, XXXX, and XXXX  ad being sent to collections in XX/XX/XXXX and closed on XXXX of XXXX, however the part of it being sent to collections in XX/XX/XXXX is still showing up. The part about is being sent to collections in XXXX XXXX need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today on XX/XX/2018, I deposited two checks in the amount of {$1500.00} and some change. I have deposited these checks every two weeks for almost two years and have always been able to have at least some portion of my money. Today my bank account was negative XXXX cents, I deposited the checks and the bank told me Im XXXX out of luck. No money, and the associate from Wells Fargo suggested I write a check and hope whatever bills I have to pay dont cash it until Tuesday. Annoyed by this I tried to close my account, they told me no you can not close your account and you wont have youre money until Tuesday. When asked why they held my check as they have only done one other time when I was negative XXXX cents, they said they werent sure why there was a hold on the account, but when I brought up that it was because I was negative and they wanted to charge me three days of overdraft fees they quickly waived me off the phone. Give me a break.

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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am very upset due to inquiries that are being shown on my credit report. This was my last resort. I was told to contact the credit bureau and the credit bureau told me to contact the creditor but they told me to contact the credit bureau in which I did after sending them over 5 letters in which the last letter I send them was certified at the post office tracking number- XXXX XXXX XXXX XXXX XXXX in which it went ignored and transunion refused to remove these inquiries after I informed them that I didn't authorize anyone to run my credit and do any hard pulls placing damage to my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-11-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request on XX/XX/XXXX for a standalone partial claim due to my payments being in forebearance during the pandemic. Carrington sent confirmation that my request was received and that they would contact me by mail within 10 days on the processing of my request. I never received any correspondence about my standalone partial claim request as promised in the confirmation that I received. I received a notification stating that my forebearance was extended another 30 days and I did not request additional time in forebearance. I have made some payments while in forebearance but still no answers. I called and spoke to a representative on XX/XX/XXXX to check the status of my request and the representative was not aware that I had submitted a standalone partial claim request until I told her. She told me that paperwork would be arriving for me to sign within a few days and it never arrived. She encourage me to continue making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2020-02-01
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It has now been over 30 days since our 2 loans were paid in full to Bayview yet we have not received the return of our escrow funds. They owe us over {$17000.00} and they are not answering their phones. NOTHING gives them the right to keep my money.

Company response to consumer: Closed with explanation