BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported :XX/XX/2019 {$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 Convergent Account # ( LISTED BELOW ), has violated my rights.

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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation  as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My monthly payment for my XXXX Store card was due yesterday on Sunday, XX/XX/2018, and so I went to my local XXXX 's store and made a payment in-store using my debit ( ATM ) card. These payments are supposed to process quickly, and the receipt provided includes the following statement : " Payments made today will be credited as of today. '' And indeed, my bank account is showing that the {$50.00} payment was withdrawn and posted from my bank account the same day - XX/XX/18. However, today, more than 24 hours after the payment, my online XXXX 's account does not show any payment but instead, under " recent activity '' its shows a late fee that was charged on XX/XX/18, indicating non-payment. There is no record of my payment made yesterday. Where did my money go? What this suggests is that XXXX had already pre-coded my account for a late fee before the due date, and so there was no way to avoid a late fee even when I paid on time. This is not right. I contacted XXXX Card customer service by phone and the agent told me that she " couldn't answer questions '' about this issue. I asked to speak with her supervisor, and 40 minutes later, a supervisor came online who told me that the message printed on the receipt was not in fact true - that payments day 1-2 days to post and during this time, they can charge late fees.This doesn't line with up with their payment policies however.

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 2021-07-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 30days 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year ( 2018 ), my business partner XXXX XXXX sent me {$3300.00} via online transfer to my NFCU checking account from his NFCU account. Because it was from the same bank I assumed allowing him to do the transfer wouldnt be an issue so I gave him my email address associated with my account. He made the transfer and now my account and my joint owners accounts ( even ones not associated with me ) are frozen. I contacted Navy Federal and they said the person so sent transaction would need to contact them and even though MY ACCOUNTS were frozen there was nothing I could do. I had the sender contact them via phone and etc, but I can not control what he does. He was then arrested ( without my knowledge for months so I could not contact him ). All this time I am trying to communicate with NFCU but they are not working with me. I suggested sending funds back to his account if there was an issue or at least remove my joint owner off account so it wont affect him. They declined to do either. I have a very high limit credit card with navy federal and if they close my accounts my credit will suffer greatly so I am trying to maintain a good relationship, but Navy Federal is failing me and failing at customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB I have reason to believe there may be a Car Loan that doesn't belong to me I just got a email at XXXX XXXX XXXX XX/XX/XXXX Saying thank you for Registering with XXXX XXXX.. 
I Haven't bought a Car since XX/XX/XXXX And that XXXX was paid off within 2 months .. 
My MY DRIVERS LICENSE STOLEN IDENITY COMPROMISED RECENTLY..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
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:
Weltman, Weinbert & Reis sued me for a debt that was never mine. I incurred charges against an old XXXX credit card, which were fraudulent. Eventually I signed an affidavit with XXXX stating these charges were not mine and were the result of fraud. The matter was settled/closed. XX/XX/XXXX XXXX XXXX XXXX began trying to collect this debt. I called them and told them the matter and disputed this on my credit report, which on at least one bureau the negative info was removed from my report. XXXX then sold this " debt '' to Weltman, Weinberg & Reis, who then sued me. I paid this debt on XXXX to avoid going to court. This is very embarrassing for me and would have been worse, had I gone to court and been portrayed as a dead beat. Look at my credit report and you can see I pay my bills and have great scores. I paid {$1400.00} to close the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX CARD XX/XX/2023 ELAN FINANCI XX/XX/2023 XXXX BANK XX/XX/2023

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 2019-07-21
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have contacted advance resolution services multple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am close to paying off my auto loan with Santander Consumer USA. I have been watching my balance decrease until recently. The last few months I have noticed that my loan balance resets when my monthly statement is released. I also see that the maturity date on the loan is continuously extended. It was XX/XX/XXXXand now I'm told its XX/XX/XXXXI have paperless billing and I have been paying my monthly payment regularly. I don't get any assistance when calling Santander. When I call Santander Consumer USA, the CSR simply tells me that their records show no such discrepancy. I believe that my payment records are being deliberately altered and falsified. I recently printed my last five years of payment history and will continue to do print my balance statement until I find resolution. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
RE : Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX RE : To remove inaccurate information on my credit report To Whom It May Concern I obtain a copy of my credit report and found the following to be and error. Please provide me with proof that I consent to this inquires baring my signature. 
The following inquires needs to be removed immediately : Creditor Name : Fifth Third bank Creditor Date of inquires : Date : XX/XX/2018 Date : XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX B - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX BANK - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  XXXX CO XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Problem 1. 
i woke up to a XXXX point drop in my credit score. When u called trans union they explained to me that XXXXXXXX XXXX  reported i owed them XXXX dollars. But they reported that back in XXXX, and dropped my credit score then. It should not now be randomly dropping my credit score again months later and definitely NOT XXXX points. 
So then i asked about that the rep then continued on to say i was over my credit limit on my XXXX XXXXXXXX XXXX. Well thats Not true. Then he says well this Was back in XXXX, last year. Again, my credit score was already dropped last year because of that so why now randomly out of the blue youre saying Im over my credit limit. 
I fought covid in XXXX and for three months struggle to get things back. 
You can not drop my score at the time of the changes and again now almost a year later. 
I have a XXXX XXXX on there from XXXX. In which i disputed because my contact with them was for XXXX dollars a month and they continued to charge over XXXX a month. They breeched that contract not me. You dont get to sign a contract for a specific amount and then charge whatever you want. Life dont work that way. 
I had XXXX XXXX removed from my credit score back in XXXX  and now theyre back on there. 
Trans union could not explain to me why i was being dinged for things that Ive already taken a hit for. My score was XXXX before covid and i cant continue to take songs on my credit at any random time for any random reason. 
I accept that my credit score tanked when i had covid. I dont accept being singed twice for the same things. And for XXXX whole points. 
I called and the rep could not answer any of my questions, just kept reading off some script of how the credit system works. Im XXXX i know how the credit system works. Then rep hung up on me when i got upset. 
If you have customer service reps who cant deal with upset consumers then they should not be working in that field. Im upset, deal with it, its literally your whole job. Now my credit score is so low that i cant even provide a roof over my kids head. STOP DOUBLE DIPPING MY SCORE.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Brought a XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX ) from XXXX on XX/XX/XXXX using XXXX XXXX company " Capital One Auto Finance '', we received the XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX and have had possession of it ever since but we have no title. 
We pay {$610.00} every month to Capitol One Auto Finance and still have never received the title in order to legally tag ' the XXXX so we CAN NOT drive it!! 

We have filed as many complaints against XXXX as we can ; filed with the TXAG, Consumer reports and TXDMV and it is now XX/XX/XXXX ( almost 1yr later ) and still no title. 

After an investigation performed by the TXDMV -Enforcement Division- it was revealed that evidence of violations related to the laws/rules they regulate were observed. My complaint to them has said to have been forwarded to the attorney assigned to this case and he will make the final determination on what disciplinary actions-if any- will be taken. 
Weve never received any communications from any lawyer nor anyone else in this matter and we still have no XXXX title. 
We have had to hire an attorney at XXXX XXXXXXXX to work on this but he's not come up with anything yet either. 

On XX/XX/XXXX TX DMV told me the title was now in XXXX and a new title was issued for the XXXX in XXXX on XX/XX/XXXX! 

Can someone please help us -- this is our XXXX XXXX, weve installed a hay-bale bed on this XXXX  ( so we can not return it ) and we need to feed our cattle hay and drive it legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with non-monetary relief