BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a few years ago i saw a collection on my credit report from a company from XXXX XXXX assc, i disputed the claim several times as i truly did not know where this came from. last year ( XX/XX/2017 ) i sent a written letter asking under the FDCPA rules to send me proof from the original creditor that this debt was mine i never heard back from them. i disputed this several more times. Today i called them at XXXX spoke to an assc on a recorded line ( they record the calls ) where he stated they received the letter however an official response was never sent to me. I have attached the letter i sent to them and they will confirm this by the recorded call that it was received. As i understand the rules if a response is not given in a time frame this is to be removed from all of my credit reports. i made 3 written attempts with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing a complaint regarding a 3rd party collection agency, XXXX XXXX  XXXX, XXXX XXXX In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine.

Cavalry SPV {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
FRAUDULENT SERVICE FOR XXXX XXXX. I ALREADY TOLD THEM AND REFUND MY MONEY BACK.ITS BEEN ALMOST A YEAR AND STILL DONT GET BACK YET. 
ACH TRANSFER FROM BANK OF AMERICA TO XXXX XXXX  ( XXXX XXXX XXXX ) FOR TRADE TOTAL AMOUNT {$2200.00} XXXX XXXX CALIFORNIA ACCOUNT ACCOUNT # XXXX ROUTING # XXXX DATE - XX/XX/18 -- -- {$1100.00} DATE - XX/XX/18 -- -- {$1100.00}

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 2022-10-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus XXXX, XXXX, and Equifax that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since I've been involved with Navient ( Sallie Mae ), managing my student loans have become increasingly entangling and confusing. I tried to understand exactly what I was being charged and the best options that would be available to me over the course of the years but I was always pushed toward Forbearances and Deferments. It has become so overwhelming to defend myself against this major corporation when time after time I would reach out to discuss the best repayment options for me and to get detail on exactly what the best option would be for me, but the customer services representatives would constantly push me to the 'easy ' buttons on the website and just tell me to quickly apply online for the forbearance and assure me that 'I would be accepted '. Even when I was receiving minor income and/or state assistance, the answer would always be 'another forbearance '. Sometimes, the forbearances or deferments would be up to two or three months apart, even after explaining that I would need more time and clarification on the best options for me. 

No one at Navient ( Sallie Mae ) would spend more than five minutes guiding me on the phone, instead, they would tell me how convenient it would be for me to just go online and 'click on the buttons ' to apply for forbearance and/or deferment and 'upload my documents '. I also noticed what appeared to me as the egregious late charges, etc. and my loan would triple within months even after explaining my financial hardship again and attempting to get guidance. Navient created a vicious cycle for me, that I believe was applied maliciously. Oftentimes, when I would attempt to apply for repayment options on my own through the often hard to understand prompts, I would be denied and would once again be pushed to forbearances and deferments. I would like a further investigation into my case as I am in extreme debt with this company and am still experiencing financial hardship and confusion around the number of fees, and late charges, and options that I would have to the best path toward gaining loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
A WAKEFIELD & ASSOCIATES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 



That outstanding bill is not authorized by me. I am highly upset that this affects my credit score. I have never been affiliated with this company and I am a victim of fraud.

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 2017-12-07
Company: Experian Information Solutions Inc.
State: WI
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:
This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days

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 2022-01-07
Company: EQUIFAX, INC.
State: GA
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 account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a certified letter to the address listed on my credit report to contact the furnisher to request that they remove the unauthorized inquiry. 
My letter was returned because the address listed on my report is incorrect. 

Santander Consumer XXXX XXXX XXXX XXXX XXXX, TX XXXX TeL. XXXX. 

On XX/XX/XXXX I filed a CFPB complaint about this company XXXX. 
I once agin asked the company to provide any info to show I gave consent or signed a application for credit of any form / written or Electronic. 

On XX/XX/XXXX Santander responded with a statement that they can not verify if a unauthorized inquiry occurred, and that they will need more information to proceed. 

I sent a immediately reply submitted on the CFPB website giving Santander my full social security number and a copy to view to see the multiple inquiries on my credit report. 

Santander then close their response with me on the CFPB with out a follow up statement to answer, with the additional information they requested that was willingly giving to them to assist in their investigation from me, were they able to now provide that I in fact consented to this inquiry with a written signature on a application for credit or a Electronic consent giving permission for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, Experian and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, Experian and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, Experian and XXXX on XX/XX/2018 and was told XXXX never contacted them.

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 2018-07-30
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: Credit inquiries on your report that you don't recognize

Complaint:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, XXXX and Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, XXXX  and Transuion but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX  and Transuion on XX/XX/2018 and was told XXXX never contacted them.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2017-12-07
Company: CORELOGIC INC
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.

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 2021-04-23
Company: CITIBANK, N.A.
State: FL
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:
The problem with this issue is rather simple. I have held a Citi Credit Card for almost 18 months. Per the card holder agreement, after 18 months the card would become unsecured. I received a notice stating that that Citibank has decided to continue to hold my deposit and keep my card secured, as this will continue for another 12 months. This is highly deceptive. I have paid on my credit card with Citibank, without a single delinquency. I have stayed within my credit line and I have even opened more credit cards, which are not secured. I have opened a checking and savings account with Citi, in XXXX. I do not understand why Citibank is doing this. They have issued me a XXXX credit card with a {$800.00} limit, which is from their retail side. I certainly understand if there was a horrible pattern of delinquency, but there is nothing. I have cleaned out and cleared all collections on my report. I have refinanced my car at a far lower rate. My credit economic and income situation has changed greatly and to the positive since I obtained this credit card back in 2019.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. XXXX, Transunion, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 letters were regarding inaccurate and incorrect stuff on my credit report. It has been 60 days and I have yet to receive any type of response yet or acknowledgment in regards to my credit accounts. I am clearly being taking advantaged of, and my disputes are being ignored by XXXX, XXXX  and Equifax. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has been over 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am currently a victim of identity theft and although these companies are aware of this they continue report false and misleading information on my accounts which is clearly not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: GA
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:
An inquiry dated XXXX XXXX XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX Bank to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my Equifax report the company name is XXXX XXXX Bank, On my XXXX report the company name is XXXX, XXXX XXXX, Tire Dealers. Also, I 've called and sent Equifax a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

Company response to consumer: Closed with explanation