BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$5000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent sent in validation for a so called account that is being collected on that I found on my credit reports. 
1 ) There is no company by the name they are claiming they bought this from on any credit bureau.

2 ) They sent a copy of a single statement that is almost 4 years old. This does not justify validation!!!

3 ) The address on the statment is not even correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Follow-up complaint ( See Prior Complaint ID XXXX - filed to stop harassing calls/billing for items that were covered/paid by insurance and Kia dealership " loyalty payment for buying another Kia to cover end of lease fee '' ). I requested as part of the resolution that I receive in writing confirmation of a final statement reflecting both payments from the insurance and Kia dealer and showing the XXXX balance so I have it for my records. Kia only responded to the consumerfinance.gov online complaint indicating that all has been resolved. I have patiently waited for over 4 months for any correspondence to myself confirming the matter is resolved. As of today 's date, I still have not received confirmation in writing, which was requested in the original complaint as part of the resolution that the matter is truly resolved. Having received no correspondence from Kia, I do not consider the matter closed and will continue to issue complaints for assistance until I have proof in my hands.

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 2020-08-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see my attached letter which fully describes and shows proof that I paid the loan off within 60 days of the loan being transfered to a different servicer. I was never late for 13+ years and the new servicer incorrectly inputted the loan 60 days delinquent but they had already been paid in full prior to the 60 days. As you know, by law, the new servicer must give you 60 days prior to reporting anything late and through a refinance, I had already paid them off. Please see the closing statements and facts that I have provided. I was never late. 

Sincerely, 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 2021-03-30
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
The company is Nelnet the loan was sold to another company for refinancing.When I had the loan I paid one bill now the bill is showing up multiple times on all three credit bureau and being listed up to four times on one report.l called Nelnet and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: SD
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 received an alert that a credit inquiry was done on my credit through equifax mortgage services and I have not done any business with equifax or applied for any mortgages through equifax. I am not sure why they are assessing my credit but i did not give them permission to inquire of my credit for any reason and especially not for a mortgage. I havve never owned a home and have not applied for one through equifax. I didn't even know that equifax offered mortages. I have fraud alerts on my credit file with all 3 bureaus and it appears that equifax may be committing the fraud. their system is now even asking me questions about me having a mortgage when i try to verify to release the freeze on my credit file but i have never had a mortgage. It have issues verifying when equifax riggs up my credit file to keep me from utilizing it when i need to release the freeze from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is claiming that I owe them {$720.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Square Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX I filed a previous complaint and it was closed. I am responding to Cash App feedback. The financial institution did not acknowledge the account was hacked and I did not enter the pin. By the time a representative responded to me I did not have any money in my account. The hackers were attempting to get money from my personal account. I was busy trying to protect my personal account. Now, I am being told no favor for money I put into this financial institution, my money onto their pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 HAVE BEEN A VICTIM of TRANSUNION AND XXXX  AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON XXXX  BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, I received and email from XXXX credit monitoring systems stating that Commonwealth financial had placed a collection on my credit report. The debt pertains to and old medical collection that was never verified, and later removed from my credit report. This company has bought this debt from another agency and are trying to collect on it. This company also did not send me any written notice/bill before they placed it on my credit report, which is a direct violation, therefore causing a significant point drop in my credit score. The balance they have listed is for {$1300.00}. Also, this debt is past the allotted time frame in regard to the Statue of Limitations laws pertaining to medical debt. I can also verify that XXXX XXXX XXXX tried to collect on this debt as well, and after further investigation, the debt was never verified, and removed from their system, and I have the proof to support this. However, this fraudulent debt placed by CommonWealth Financial has not been verified by previous collectors, and needs to be removed from my credit report, within a timely manner. 

I would like this company to be recognized as one to place fraudulent collections on consumers credit reports, and a company who does not follow the guidelines of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was Charged {$160.00} on XX/XX/XXXX by XXXX XXXX and still have not received my products I ordered. 
I disputed the charges with PayPal and PayPal closed my case without resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my XXXX XXXX XXXX checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.

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 2020-12-04
Company: CBC Companies, Inc.
State: CT
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:
XXXXXXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; Tried resolving directly with companies. I have previously had identity theft before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 student ( Loan ID XXXX ) serviced by XXXX XXXX and held by XXXX XXXX XXXX XXXX continues to show on my TransUnion credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/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 2020-08-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-25
Company: EQUIFAX, INC.
State: LA
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:
The 3 credit bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on TransUnion the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on TransUnion the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.

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 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My husband had a membership with XXXX and he canceled his membership and they charged his account XXXX and he called and got it refunded on XXXX the same day they charged him the XXXX so the payment was still processing at the time of refund being issued. I have confirmation number, called bank of america with an issue because the statement isn't coming up on our records at all, As if the transaction never happened .my husband mad as he can be called the bank and tried explaining it to them and they didn't want to hear it and they kept insisting that they was no transaction done by XXXX . Which is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX XXXX, I run a XXXX XXXX XXXX XXXX. 
In XXXX I deposited {$30000.00} into a Wells Fargo savings account. 
I applied for an unsecured line of credit and was denied by Wells Fargo. 
So I opened a secure line of credit using my savings account at collateral. 
Wells Fargo put a hold on {$29000.00} in my savings account. 
Wells Fargo authorized a secure line of credit for {$27000.00}. 
I made all payments to the line of credit on time. 
I was never late and I never missed a payment. 
On XX/XX/XXXX I paid the outstanding balance on the line of credit down to XXXX. 
Several days later I asked the local Wells Fargo branch loan officer to cancel the line of credit, he advised me that he could not do that. He told me I would have to call Wells Fargo customer service. So I called Wells Fargo customer service and closed the line of credit. 
The Wells Fargo customer service rep told me that the funds would be released once the system updated. 
It has been 19 days since the account was closed and Wells Fargo still has a hold on my {$29000.00}. 
I do not owe Wells Fargo anything. 
Wells Fargo is not claiming that I owe them anything. 
However, Wells Fargo is continuing to hold my money. 
I need access to my money to run my business. 
I have called Wells Fargo numerous times and waited on hold for over an hour on several occasions ... nobody has helped, they always say " it's another department '' or, " there's nothing I can do ''. I have send multiple email requests through the online Wells Fargo message center to have the funds released and I have only received one reply. That reply said, " there is nothing we can do, please call customer service ''. 
I just want my money released.

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 2020-06-03
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: Account status incorrect

Complaint:
Transunion always reports incorrect information. They need to be closed down. 
High descrepency between XXXX  and XXXX and Trans Union. Trans Union seems corrupt. We need to get rid of these practices in the USA

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 2021-03-30
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have applied for a loan of {$1000.00} dollars and I did not sign loan agreement from this predatory company. After researching XXXX I see that many people have been duped. I wouldve ended up paying {$5600.00} after interest payments. I will now monitor my credit cards and banks to see if they are going to go ahead and process their scam. In a time of need when many people are struggling we dont need people like this. I have used CFPB once before and along with the DOJ we successfully sued XXXX XXXX for the CRSC violations. Quite simply XXXX needs to be shut down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation