BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I mailed a cashiers check in the amount of {$19000.00}. They posted the payment on XXXX. This was a cashiers check paid out of an attorneys escrow account. They place an additional 10 day hold on these funds.

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 2018-07-05
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom it May Concern : I am writing regarding a business checking account with Bank of America. This is now the second time that checks have been put on hold, for vague reasons on Bank of Americas part. This time, we received a letter from the bank explaining A hold was placed on your check ( s ) because check specific information indicates item may be returned.

We deposited checks from this customer a few weeks ago, and the checks were put on hold. They eventually cleared after the bank decided to hold them, also for vague, and multiple different reasons. It is counterintuitive that checks from the same customer would be held again. Especially in light of the account never having experienced bounced checks before. 

I feel as if the bank of targeting this account for some reason. I spoke with a representative last week, regarding a different account, and I was told that Bank of America has experienced a lot of fraud lately. This can be understandable in light of COVID-19 and its economic impact. However, I can not understand why this account would be targeted for check holds when it has never experienced this type of fraud to begin with. Just because there is fraud with other accounts does not mean that small business owners across the board should be looked at. 

If the law allows such a vague reason as specific information indicates item may be returned as a legitimate reason to hold a check, then a veil has been created for the bank to hide behind, without much accountability. 

In the meantime, we will be searching for banking alternatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Seterus, Inc.
State: NY
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:
On XXXX 2015 and XXXX 2015, I paid my mortgage but Seterus is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rented a car from XXXX at XXXX XXXX XXXX, XXXX, VA from XX/XX/ -- XX/XX/. Returned the car to the local agent at XXXX XXXX  ( they close at XXXX XXXX ). Walk around inspection revealed no damage to the vehicle done during my rental. I was out processed and given my receipt. Since the location was closing in two minutes the local agent would have also needed to drive the vehicle downstairs to the garage immediately after I left. 

Two months after returned the car without damage or incident, I received a claim from Viking Billing Service ( VBS ) requesting {$1300.00} ( claim XXXX ) for damage done to the car. Luckily I had an upcoming rental with that same location ( I am a repeat customer with 50+ rentals from XXXX/XXXX ) in the last several years ) and was able to speak with the very agent who had handled the return of the car in question. I showed her the letter from Viking Billing Service ( VBS ). She looked it up on her computer and said she had no knowledge or record of damage. She went through a stack of papers and recovered the slip of paper showing pre-existing damage to the car. She told me to e-mail or fax that piece of paper to Viking Billing Service ( VBS ) to close the claim. She also mentioned that the car in question had gone to another location after I had returned it. 

Four calls ( sent straight to voicemail ) with detailed messages left requesting a callback with a e-mail/fax have gone unanswered. But the collection notices keep coming with escalating threats of debt collection. Every time I visit this XXXX/XXXX location they ask me whether I've been able to clear up this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Avant Credit Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. 

I replied to their email but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: TN
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 have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX  {$890.00} XXXX/XXXX {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2020 my bill did not go through CREDIT ACCEPTANCE CORPOR - account with 1 missed payment. I am kindly requesting CREDIT ACCEPTANCE CORPOR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2019-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2018-07-05
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
THE COMPANY IS WESTERN UNION. I USE THEIR ONLINE SERVICE, AND THE RECEIVER COUNTRY WAS XXXX. THE FIRST MONEY TRANSFER WAS SUCCESS, BUT THE OTHER 3 WHEN I INTRODUCE THE NAME OF THE RECIPIENTS I DID IN THE RIGHT ORDER, BUT WHEN THE TRANSFER WENT TO THE AGENCY THE NAMES WERE MIX AND THE RECIPIENT WERE NOT ABLE TO REQUETS THE MONEY, WHEN I TRIED TO FIX THE ISSUE, THE SYSTEM GIVE ME THE OPTION TO EDIT, BUT AT THE END SHOWS A MESSAGE THAT THEY ARE NOT ABLE TO PROCESS THE REQUEST, WHEN I WENT FOR OTHER OPTIONS ALMOST WERE THE SAME, AT THE END THE ONLY VALID OPTION WAS CANCEL THE TRANSACTION, BUT IN SMALL LETTERS SAID THE FUNDS WERE AVAILABLE AFTER 7 BUSSINES DAYS AND THEY NOT REFUND THE FEES, I DON'T KNOW IF THEY DO ON PURPOSE TO KEEP THE FEES WITHOUT DO ANYTHING, BUT LOOK SCAM FOR THE CUSTOMERS, ALSO WHEN I SPOKE TO CUSTOMER SERVICE PUT A LOT OF COMPLAINS AND REQUEST A LOT OF PERSONAL INFORMATION. THE TRACKING NUMBER OF THE 3 TRANSACTIONS WERE 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, IN ADVANCE THANK YOU FOR THE ATTENTION GIVEN VERY RESPECTFULLY XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: ARS National Services, 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: Information belongs to someone else

Complaint:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-11
Company: Experian Information Solutions 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:
On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-09-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I asked Experian to investigate the payment history on the Us Department of Education Loans that are showing up on my credit report, I have been making on time payments on the student loan accounts since XX/XX/XXXX, I was enrolled in the student loan rehabilitation program. I made 9 consecutive payments to get out of default. The loans have since been transferred & bought by XXXX  XXXX, therefore they are not 180 days late as of XXXX. Please correct this. None of those payments are showing on my Experian report. In fact when they updated the report The student loans show that i'm 180 days late as of XX/XX/XXXX which is false and 100 % inaccurate and has caused my scores to drop 87 points which has hindered me from obtaining new credit. Please investigate and correct this. Also Experian needs to provide evidence of a true investigation and I need to know what information was used to obtain the information collected during their supposed investigation to come to their conclusion.

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 2018-04-04
Company: EQUIFAX, INC.
State: TN
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 have filed a dispute with Equifax, XXXX, & XXXX about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.

Company response to consumer: Closed with non-monetary relief