BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The car I purchased in XX/XX/XXXX2015 was forfeited by the City of XXXX after XX/XX/XXXX2019. The car was stolen and due to the condition of the vehicle reported as missing, vandalized, and damaged due to theft. 

The problem occurred once the vehicles tires were XXXX caused by an obstruction on the road. I have reported this to my insurance company and to other entities. Regardless of the policy, my car has full coverage. I dont regard NC State regulations in Maryland but I do understand my liability since I am no longer a resident in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. 
I contacted Sallie Mae Several times this year, to make sure I was in deferment and no issues. I used deferment to make sureXX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX   and everything would be fine, I would just have my XXXX in-school payments to make. On MondayXX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called Sallie mae and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. 
XX/XX/XXXX XXXX ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. 
XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. 
I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Diversified Consultants, Inc.
State: NV
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:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: CT
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:
WHAT IS XXXX  CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assistance of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result.

WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX   )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX  and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There are unauthorized payments coming from my account from a merchant and my bank did not credit 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 2020-06-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX said I opened a account with them in XXXX. I did not they claimed I owed XXXX dollars, then in XXXX reported on my credit i didn't pay them. After contacting them several times they had no answers for me. Finally in XXXX they agreed to remove remarks and debt owed that was not mine. Now they sold a debt that isn't mine to another company who now states I owe them XXXX for the original debt of XXXX due. Fraudulent account reported on my credit a number of times with different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: PA
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 recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi there! Back in XXXX I found out I was pregnant. When I notified my job ( warehouse position ) they didn't seem too happy. Things eventually got worse and I was fired from my position. I was able to collect unemployment ( due to being fired for being pregnant ) because my firing wasn't reasonable. At the time, I had 6 open credit cards, utilities and bills. I choose utilities and bills over credit card payments. I informed my creditors that I had experienced job loss. XXXX  XXXX  was supposed to cancel out my account, I would be responsible for the balance and the annual fee only. It is now XXXX and the creditor has since sold the account to a collection agency XXXX XXXX XXXX. They did not once try to call me to collect on this debt. They apparently sent mail to my mother 's address to collect on this debt. My credit limit was {$800.00}. They have now escalated the matter to XXXX and XXXX law firm where they are currently suing me for {$1200.00}. I asked for validity of the debt, I also asked why I was charged {$400.00} in fees and interest on an {$800.00} account. They are unwilling to workout reasonable payments on the debt owed. They want the entire {$1200.00} but im only responsible for {$800.00}. I have tried multiple times to request documentation on this account to see why im being held accountable for the {$1200.00} and not {$800.00} and I'm being told they dont have access to that information. I called XXXX  XXXX, they said they dont have access to that information because they sold the debt to the law firm. I called the original creditor ( XXXX  XXXX ) for a statement balance, he made me aware that my balance was only {$800.00} as of XXXX of XXXX. When I asked why my balance had increased to {$1200.00} when the account should've been cancelled he apologized and stated that the account wasn't closed until several months later and it must've been a glitch in the system. There is nothing he could do about the fees, as the debt had been sold off to XXXX XXXX XXXX who sent it off to STENGER and STENGER lawfirm after not attempting to contact me via phone or email. I would also like to add that Stenger and Stenger law firm offered me a settlement on my first XXXX  XXXX account and allowed me to make payments on the SETTLEMENT amount, not the full balance. I made every {$300.00} payment on time without an issue. They have stated they can not do that now with my other account due to financial hardship of covid. Everyone is experiencing financial hardship due to covid.. Not just big companies. This is just disgraceful and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They give me a hard time to increase my credit limit a XXXX reason to decline me saying we have given you {$8000.00} in total for both of your accounts and were unable to give you more they told me when I apllied this is no cap that you can request a credir line increases at anytime but they always turn me down for this reason this is horrible this is discriminatory how can you tell me this it doesnt make sense my credit is good and Im a good customer and cant get more from them because they refuse

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 2020-02-05
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX XXXX , XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed several unauthorized inquires found on my Trans Union credit report. They received the dispute on XX/XX/20. I have not received any results at all. According to the Fair Credit Reporting Act, they have 30 days to complete the investigation. Today is XX/XX/20, which is well over the 30 limit. I request that they the delete all items disputed 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 explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text message from XXXX saying it was my bank Bank of America and they were asking if I made a transaction in XXXX Texas at a XXXX I texted back no then they said I will receive a call from XXXX which is my banks number I checked the back of my debit card and googled it. So I assumed it was legit. They asked if I had made the transactions at XXXX and a gas station in XXXX Texas I said no then they asked if I knew anyone in Texas I said no. Then they said there was a pending transaction through XXXX for XXXX to someone in Texas I said I didnt do that so they said in order for me to get the money back I would have to send it to my name and I believe them and did it. Then I couldnt hear anyone anymore so I hung up and called the same number back and Bank of America denied ever calling me stating it wasnt them..I had gotten scammed. I think it was my bank stealing the money because it was their phone number I have the phone call log when they called 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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

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 2018-06-14
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has reported to all three credit bureaus of debt I do not owe. I sent out a debt validation letter to validate this debt and I have not received anything from Waypoint Resource Group. I want this debt removed from all three credit bureaus until they send me a validation letter to validate I owe the alleged debt. If they can not validate this debt again remove from all three reporting credit as it is effecting my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Freedom Mortgage Company
State: AZ
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:
Loan number XXXX Freedom Mortgage I have been disputing this organizations errors since XXXX of 2018. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement dated XX/XX/2018 showing my payment were up to date and that my next payment was due on XXXX XXXX. This corresponds to my records. On XX/XX/2018 XXXX reversed TWO months of payments resulting in my payments for XXXX and XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: R.M. Galicia, 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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
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:
XXXX is reporting a credit card account on my credit that does not belong to me through Transunion, XXXX, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective 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 explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
my credit score dropped 30 points when i got a refinane on a car loan paidoff previos loan im never late on payments the credit sites need to restructue there credit reports im very upset reading on other forems people have up tp 60 points on there creit score when getting a new loan unfair can you do somthing about it for all the peole in cludig yourselves send all coment to all the credit sites

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 2021-07-20
Company: Optimum Outcomes, 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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
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:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: AL
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 traded in my car with XXXX XXXX XXXX XX/XX/XXXX. They are still reporting to the credit bureaus. The first time I called a lady told me my payout was paid on XX/XX/XXXX. So I waited a month. Now its another month later and they are still reporting. Tried to get in contact with someone but no one has fixed the problem.

Company response to consumer: Closed with non-monetary relief