BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
In XX/XX/2021 I was scammed out of {$1300.00} using the XXXX app. I accessed the app using my Bank of America account and believed that my purchases were protected. I became aware of the scam almost immediately and contacted the bank. They told me they would not help me and told me to contact XXXX. XXXX also declined to stop or reverse the transaction.

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 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I purchased this vehicle in XXXX of 2015. I was only employed by my job for 3 months. For some reason I don't qualify for the settlement even though I've paid more than XXXX on a vehicle I financed for XXXX. The interest rate is over 26 %. I have struggled to make my payments on time. This company refuses to let me see my internal score and has constantly participated in predatory lending to others. I would like to know why I don't qualify for this lawsuit when they didn't even take the proper steps to validate my information before providing me this vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017  payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2017-12-23
Company: STATE FARM BANK, FSB
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas State Farm stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Lendtable Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Issues with repayment

Complaint:
On Tuesday XX/XX/XXXX I reached out to them to see how to resolve payment and they demanded the whole balance due of {$1900.00} by debit card or my XXXX k plan.This morning at around XXXX am I contacted my XXXX and I was told they never heard of this company or are not associated with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking account.

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 2021-02-25
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A car loan was opened with Credit Acceptance on or about XX/XX/2013 without my authorization. I have sense sent CA a certified letter with my police report and a letter advising them I am victim of identity fraud and requested they block their information my credit report. In turn they referred me to the law office XXXX, XXXX XXXX XXXX - GA XXXX XXXX. XXXX XXXX XXXX, GA XXXX, to complete a fraud package which included my signature 5 times, my identification and the police report. As of today, I have spoken to several people in the legal department at Credit Acceptance, all of which are advising me, they will not block their companies information until they investigate and that process takes up to 60-90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a Bankruptcy showing on my report from XXXX. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

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 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have provided all documentation that show I am a victim of identity theft. the items listed on the FTC report are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: TMX Finance LLC
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: Account status incorrect

Complaint:
I spoke with someone from XXXX XXXX about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
PNC Bank is and XXXX XXXX lender. It discriminates against small, minority, older and other disadvantaged ( SMOD ) borrowers by applying a specific business account requirement to apply for a XXXX loan which many SMOD borrowers do not use based on higher fees, monthly service charges, etc designed to screen out otherwise eligible SMOD borrowers from participation in favor of larger more profitable other customers or extract extra business account fees the SMOD borrower would otherwise not have at a time of distress. Surely many SMOD operators use less expensive accounts rather than a high fee business fee account. 

This requirement is likely not part of the CARES Act or XXXX, but is an extra discriminatory hurdle PNC adds. And in any event a bank knows particularly SMOD operators select lower cost vendor whenever possible. The pandemic enhances this pressure and need. 

This requirement continues and fees seem to be excessive and unnecessary to the disadvantage of SMOD borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company trying to collect a debt for which I have no contract with and have made no attempt to contact me regarding it. This debt collection is on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE COMPANY, COLLECTION AGENCY, NAME FBCS, INC., CONSUMER CONTACTS SOLUTION XXXX IS CALLING ME EVERY DAY, TRYING TO GET PAY FOR THE SECODN TIME OF THE SAME DEBTH THAT I WAS ALREADY PAY XXXX BUT BECAUSE I DIDNT HAVE THOSE RECORDS BECAUSE I RIDDED OF THEM BECAUSE TOO OLD, I KEEP RECORDS FOR TWO YEARS, I DECIDED TO PAY THE ARRAMGEMENT THEY GAVE ME OF XXXX THE TOTAL DEBT WAS XXXXI MADE THIS PAYMENT TO THEM ON XX/XX/XXXX OF XXXX THIS IS THE CONFIRMATION NUMBER OF THIS PAYMENT XXXX, AND THEY TOLD ME TODAY THAT THEY GON NA SEND ME A LETTER SAYING THAT I DISPUTE THIS DEBT. 
PLEASE HELP ME WITH THIS MATTER THANKS LIKE I REPORT THE FIRST TIME IM A XXXX ALL MY HSPITAL BLLS ALREADY PAY OFF AND COLLECTION AGENCIES ARE CALL ME AGAIN TO TRY TO MAKE ME PAY THE SAME BILLS AGAIN BECAUSE I DONT HAVE PROVETHAT I PAY THEM, FOR THE REASON THERE OLD DEBTHS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ID Analytics, Inc.
State: CO
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 applied for and received a auto loan for a used car. Subsequently I received a letter from XXXX XXXX referencing credit freeze on my record with XXXX, which I authorized and their letter also reference SageStream LLC.

SageStream reported incorrect credit score and incorrect factors which affected my score as reported by SageStream.

I have never heard of SageStream, never authorized them to be used

or consulted regarding my credit score. Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of.
My credit score is readily available from XXXX, XXXX  and XXXX. I my records deleted from SageStream LLC. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-14
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or FORD MOTORs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion, XXXX, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights

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 2021-05-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Mortgage Provider = XXXX XXXX Customer Service XXXX XXXX Loan Number XXXX My phone number : XXXX My email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear CFPB, I paid my house off on XX/XX/2021 and am due a refund of my escrow account in the amount of {$4400.00}. I called Loan Depot on XX/XX/2021 and asked my representative when the check was mailed. The rep responded that it was mailed on XX/XX/2021 and that I should receive it any day now. I called back today XX/XX/2021 and spoke to another rep and asked them to reissue the check to me as I've waited long enough since it's been almost four whole weeks from the date the check was supposedly mailed. The rep refused to reissue the check stating that I must wait another full 30 days from the postage date before Loan Depot can reissue the check. I then asked if she could at least verify the check has not been cashed to help ease my concern. She put me on hold, I waited for 37 minutes and then the phone hung up. 

I went to your CFPB website to see what I could learn about acceptable behavior for timing of a refund of my escrow check and all I could find is that it should be mailed 20 business days post payoff of my mortgage or roughly 30 days. It's unclear to me if my refund should be delivered within 30 days from the date of my payoff? It appears Loan Depot 's position is that as long as they mailed my refund within 30 days of my payoff then they are off the hook, even if my refund was never received. I am of the vantage point that if they are going to wait the full 30 days and earn interest off of my escrow, then they should have some skin in the game to ensure my check is properly delivered, especially a {$4400.00} check. Who in their right mind puts that much money in reg mail without any form of tracking? In any event, I feel Loan Depot may be in violation of my rights as a consumer, especially if they are forcing me to wait another 30 days prior to reissuing my refund. 

Please advise if I'm being unreasonable and I'll not pursue this any further. But if the CFPB agrees that this is not reasonable then lets move forward to the full extent of my rights as a consumer. While big banks can expect my mortgage payment within two weeks of a due date and then charge me for a late fee, I feel that the favor should be returned when waiting almost two months to receive my refund. I have bills to pay, and unlike the big banks, I do not have millions sitting around in my checking account to get by on. 

All the best, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX cell

Company response to consumer: Closed with explanation