BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX contract has been never renewed they do not have a signature on file to continue this service and as of today 's date I have on numerous attempts ask them to send the contract they said they have. They have renewed the contract themselves without a signature and continue to bill me fees for anything regarding their own upgrade or update of their alarm. Sometimes the system would work and there are days when it would not. I called them on numerous occasions to fix their system. They advised they would finally show up and that I would not be billed. Unfortunately they did bill me for up keep of their own system in charges that were more than {$500.00} in up keep they would not put batteries in their system to update nor would they update smoke detectors under a contract making the customer pay more than {$500.00} just for the smoke the detectors and glass breaker up keep. The customer is not advised after the tech leaves of the bill and is never aware of what is owe. The customer does not get an on site bill and later is in shock on money owed. When a customer calls they do not get accurate billing and it is a considerable long time in wait to get a hold of someone to handle account. I paid my bill they advised that I owed the amount of {$310.00} this amount was paid. Today I get a bill from a collection company for the same amount of {$310.00} that they deducted from my checking account. They are not advising the customer what they are doing not sending notices and billing the customers for services without the customers consent. The company is making money from the consumer by not upgrading their system and making the customer pay to do so. The company is not straight forward with the consumer about charges owed and the consumer is blinded not knowing money owed. The company renews contracts without signatures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. 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.

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 2020-05-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
2 weeks ago I received letter from comenity bank ( XXXX XXXX store card ) asking me to send them copies of my s.s. card, driver 's license, passport ... .. because of suspected fraud. ( I got a new s.s. # last year because my original one Has been issued to 2 people by mistake 20 years ago ... the social security administration exclaimed ) so I am very careful now, I am building my credit again in my XXXX age. I am paying everything on time, doing the right things ... so I called the comenity bank and the man on phone was talking very down to me. ( When i got the store card last year i called the number on the back of the card because I couldn't make an account on line to pay the bill, the nice professional man who picked up was in different country which now putting two flags up ) It's hard to send my identity to this company so I called two days ago again to find out what kind of possible fraud is going on " on my side '' and to close the account because it makes me uncomfortable. This time I spoke to a lady, she asked for the last 4 digits, address, phone number to make sure I'm the card holder but she couldn't give me any answers about the possible fraud. So i asked her to close my account, she put me on hold to speak to her supervisor, then she told me that the account will be automatically closed after 30 days if they didn't receive all my copies. 
I am very worried that their action will mess my credit because I have XXXX balance with them but on my credit report its showing I'm using 30 % of the limit. 
It's really stressing me out that they can destroy my credit. If I would at least not paying on time but I do. I am worried that they tried to steal my identity because they see I was doing good ... .but because I am not letting them to have all my copies they will just destroy me. 
It's scary to open store card and end up with some unknown bank from overseas instead. They want to keep a secret about fraud on my account, with my name, my s.s #, they dont want to share with me fraud about me, they are not legit to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: COMMERCE BANK
State: IL
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 repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes.  '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is  the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO DAY XX/XX/2018. I WANT TO TELL YOU THAT TO PAYDAY LOAN COLLECT FROM XXXX XXXX XXXX XXXX .THEY HAVE AN ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX .PHONE # XXXX. THEY HAD TO REPORT TO CREDIT REPORTING AGENCIES. I NEVER HAD TO PAYDAY LOAN BEFORE. AND THIS COLLECT WAS HAVING MORE WRONG AS SUCH AS NAME, SS #, ID, AND SO ON. I NEED YOU HELP ME TO CONTRACT THEM TO FIX MY TROUBLE THIS. THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: American First Finance, Inc.
State: WA
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:
American First Finance offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my XXXX credit score dropping it 28 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: NY
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:
My mother is a XXXX year old invalid who has some credit card debt. When she couldn't XXXX anymore and became XXXX, I called Citibank and informed them that my mother could not pay anymore. Citibank, unbeknownst to me, sent " Delinquent Account '' Reports to the Credit Bureaus on ME. 
Citibank NEVER contacted me after I sent a letter of explanation and a request for a phone call. Instead, Citibank started sending reports on ME back in XXXX of 2018. 
Just today, by chance, I noticed my Credit Score had dropped dramatically. When I asked Citibank why I was punished for my mother 's account, they said I was an " Authorized User '' and I had agreed to let them contact Credit Bureaus about me. I signed and agreed to NOTHING of the sort. MY mother must have put me on as an " Authorized User '' in order to buy her supplies. I NEVER agreed to it and they refuse to show me proof where I did agree to it. 
I now have dropped over 100 points on my Credit Score, I have Credit Limits reduced on Credit Cards, and I'm suffering Compensatory Damages from Citibank 's actions. 
HOW CAN IT BE LEGAL TO MAKE A REPORT ON SOMEONE BASED ON SOMEONE ELSE 'S CREDIT CARD??? I AM NOT the Account Holder, WHATSOEVER, for my mother 's Credit Card with Citibank. And I signed NOTHING to be an " Authorized User '', yet they reported to the Credit Bureaus about ME. And WITHOUT EVER CONTACTING ME BEFOREHAND.

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 2020-01-27
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2018-07-08
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In 2022 wells Fargo told me that they will close my account because of withdrawals and my account went into overdraft the account is now closed and I'm left to pay overdraft fees interest and charges because I deposited and withDrew incoming deposits. Please help

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 2019-09-18
Company: TIDEWATER FINANCE COMPANY, 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:
the XXXX breach caused some inaccuracy on my credit report please remove them FCRA violations tidwater

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was deleted off of my credit report over a year ago. This debt is old and they keep selling it to credit companies. It shows that it was created in a XXXX of 2020 and thats not correct. This is very very old debt that has been settled and deleted from my credit report and XXXX  is illegally reselling and updating on my credit report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: American Credit Acceptance, LLC
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: Information is missing that should be on the report

Complaint:
I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: LEXISNEXIS
State: MO
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 disputed a bankruptcy with XXXX  requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a 3rd party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with Lexus Nexus nor do they have any permission to verify any information that may pertain to me. XXXX can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was at awe seeing things reported that should not be there. Please heade to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
From XX/XX/2020 up until now XX/XX/2020 our home Mortgage showing that we having made a payment, we have all of the receipt so what do we do to stop this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Unauthorized Inquiry on my credit 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 2017-12-05
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: GA
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 XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.

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 2018-03-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good afternoon, on XX/XX/XXXX make a purchase in paypal Transaction ID XXXX of XXXX to a company called XXXX XXXX XXXX they did not send the product due to a problem and paypal On XX/XX/XXXX the refund was made from {$2700.00} to MasterCard XXXX. This money never came, since the XXXX account was closed since XX/XX/XXXX, I had to put claims in the bank and paypal, the truth is that I never got that money, paypal is responsible for seeing where is that money and return that money to my paypal account They only give a false reference number, that XXXX does not know anything, paypal must demonstrate with a document that the money is in my account, a document where the provider says that this money is in X place, do not send a simple false reference, that nobody knows anything, this is a real scam more than 5 months waiting for the money They must be able to check that the money never came to me, work on searching, do not copy and paste data that has no validity. 

A document of the bank account is attached, where it clearly says, the account is closed from XXXX, as a return will arrive on XXXX, it is impossible, because you are not looking for my money, you are going to having to pay expenses and damages plus interest for being incompetent

Company response to consumer: Closed with explanation