BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-06-01
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
One main financial has been charging me interest and late fees without my consent and they are not able to explain the charges. I set up monthly payments and they still charge me late fees. They will not provide me paperwork on the amounts that they say I owe and the representatives all keep telling me different stories. I have been sick with XXXX, my son was diagnosed with XXXX XXXX XXXX In XXXX of this year and my daughter diagnosed with XXXX XXXX XXXX XXXX XXXX in XXXX of this year so I was not paying attention to what has been occurring. They informed me today that interest and double late fees are being applied to my account and they said they system doesnt it and they cant control it. 

My name is XXXX XXXX XXXX XXXX One main bank branch XXXX La XX/XX/XXXX payment was the most recent catch of the error. Monthly payments are set to draft bu weekly for {$76.00} XX/XX/XXXX a amount of XXXX attempted to draft then {$170.00}. On XX/XX/XXXX. 
I asked why the charges were so high and different and I received 3 different stories ask to speak with management and documentation sent to me or made available for pick up and was told they could not help me and would have some reach out today or maybe tomorrow or whenever they get a chance. 

They said interest was being charge and stated I signed a contract but I dont recall and they tried to call me to tell me but I had a note saying to not call me for payment unless I was 5 days late and the auto draft was not working. I spoke with them prior to this and they were only trying to get me to pay a outstanding balance for {$170.00} but could not explain why I was being charged this. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am XXXX  and I opened my account in the bank of america in XX/XX/XXXX, I left my account practically without movement until the day XX/XX/XXXX when I made sale of assets for two different American people and I received in my account my sale, following the procedures transfer of the bank ( via XXXX ) secure payment system with which the receipt is made by the depositor and the receipt by email your confirmation of deposit to be released to the creditor, in this case I received within the existing banking system and confirmed in account, on XX/XX/XXXX I received the misfortune of my account being blocked, I called several times and with no one to solve my situation and only say that it is analize about ( fraud ), after spending a few more days with different information and disagreed on XX/XX/XXXX say that my account was going to be closed, I requested my money with which the value I have taken into account XXXX dollars and I was informed that they do not have XXXX money!!! how can a bank that we open account to take care of our patrimony and comes to his client withdrawing his funds his access to what is his right and retains his funds!!! I have never had a problem at this level in my country or any other bank I have spent, I need my money I am a good citizen, I am being robbed, feeling disquieted and humiliated by this institution, I request that you intervene in this company to receive my funds. If you have a problem in my receipts this problem is in the bank system I can not be penalized for a failure ( if there was ) that I'm sure did not have, but if there was this problem is the bank and not mine

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 2022-10-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C.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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: IL
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:
i filed a cfpb complaint against Equifax on XX/XX/2022 the complaint number is XXXX it has been well over the amount of days allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
State: CA
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:
Citibank is not properly reporting balances on 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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

Transunion sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, Transunion verified the information as accurate before they received my notarized affidavit. When I check on my dispute with Transunion they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : 1. XXXX XXXX  - Account also reported by XXXX XXXX XXXX 2. XXXX XXXX  - Also reported by XXXX XXXX 3. XXXX XXXX XXXX  - 4. The XXXX XXXX XXXX - Also reported by XXXX XXXX  and XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Also reported by XXXX XXXX and XXXX XXXX I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that 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 non-monetary relief
Consumer complaint received 2019-12-16
Company: Unlimited Progress Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt came from Indiana I had move to Texas and did not incur this debt

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 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to bank of America and went to the atm as I missed them and they where closed I took XXXX out of my savings account and was charged XXXX for doing so this is my money not there's never said ok u can take my money I'm sooo XXXX it's not funny don't want to go down there and cause a scene cause I'll b arrested not sure what I can do I saved the soup slip i can't believe they are able to get away wt this my name is XXXX XXXX email address is XXXX XXXX help 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 monetary relief
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This accounts is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CAPITAL ONE XXXX Balance {$0.00} ; CAPITAL ONE XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report. 

On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX. 

The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle. 

SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX. 

I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX XXXX calls approximately 10-15 times a day on certain days from XXXX- XXXX. Sometimes on weekends. All call are robo calls or in person calls. We are financially struggling and tried working things out, but these harrasing call are getting out of control. After talking to them they call the next day over and over.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX XXXXXXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please Delete these accounts Immediately they were fraudulently open! 

XXXX XXXX XXXX XXXX XXXX {$1400.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Amount XXXX {$520.00} Opened : XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$420.00} Opened : XX/XX/XXXX Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
THIS IS FOLLOW UP FROM MY PREVIOUS COMPLAINT. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

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