BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering. 

XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
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 tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2020-01-25
Company: New Direction, 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:
I had a credit line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was alerted to a high impact item on my credit report by XXXX XXXX. The item was listed by a Cavalry Poftfolio Services. It  claimed to be an account from XXXX XXXX  with an open balance of {$2300.00}. As there was no identifying information given about the account I disputed it. I was then simply told that XXXX had verified the debt. Well how can you verify a debt with no account number? So I went directly to XXXX and disputed their finding. Since there was no account number how could they verify the debt? I also asked for ALL of the legally required ( both federal and state of new york ) documents to prove that Cavalry Portfolio had any legal right to this alleged debt. 

Today XX/XX/2020 I received a packet from Cavalry Portfolio. Inside was a statement that they believed this account to be past the Statute of Limitation, That it was alleged to be an account with XXXX and alleged monthly statements for said account. 

What I did not receive was ANY of the requested legally required documents to prove that Cavalry Portfolio has any legal right to said debt. This would be something like a legal document known as a bill of sale along with a statement from the alleged owner of the alleged account that specifically mentions this alleged account was sold to Cavalry Portfolio.

Yet with no proof of ownership Cavalry Portfolio has managed to do direct damage to me on my credit report and XXXX has claimed this alleged debt was " verified '' by them and they allowed said damage to continue. 

No party should be able to do direct financial damage to any individual by claiming they own an account that they can apparently not prove or provide proof of ownership of as requested. 

I will include a screenshot from XXXX XXXX to show the lack of information and why I disputed this listing. Also why I would wonder how you could " verify '' it with the information provided in that listing. I did not include any of the pages that Cavalry Portfolio sent to me as none of them were what I asked for. In other words a legally recorded/witnessed Bill of Sale and the  other required documentation with direct mention of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: PNC Bank N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Im writing this very seriously. I havent authorized PNC bank to obtain my credit report for vehicle loan. I havent filled out any application to PNC bank. I have clearly mentioned lender I do not want PNC. I request you to update and remove hard inquiry which is damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to company sent 3 letters I received no reply, in regards to this account.my dad and I have the exact same name & my grandpa. THIS ACCOUNT COMING TO ME AND ITS NOT MINE, ALSO I WAS ROBBED AT GUNPOINT MY WALLET WAS STOLEN WHICH CONTAINED MY DL, SS CARD, CREDIT CARDS & ETC WAS STOLEN I AM NOT SURE HOW THIS ACCOUNT WAS OPENED BUT I KNOW ITS NOT MINE .THEY NEED TO DELETE THIS RUNNING MY CREDIT, SEND ME THE PAPERWORK FOR THE ACCOUNT I KNOW THE SIGNATURES WILL NOT MATCH BECAUSE THE ACCOUNT WASNT OPENED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of the scam and I want both Zelle and XXXX XXXX to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the XXXX XXXX account of the mover named " XXXX XXXX '' via Zelle ( Zelle Transfer Conf # XXXX ; XXXX ), which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted Zelle and also XXXX XXXX about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at XXXX XXXX got blocked. However, neither Zelle nor XXXX XXXX has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX XXXX XXXX XXXX response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's XXXX XXXX account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TD BANK US HOLDING COMPANY
State: KY
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'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the XXXX pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/XXXX I began receiving authorization codes from my bank on my mobile phone. I would text back the answer to the questions they were requesting I answer. After the third time this happened I called the banks mobile website department in an effort to find out why this continued to happen. There was never a response to my request of questions. Then in XX/XX/XXXX I noticed unauthorized charges on my mobile app that I did not approve, including everything from ATM fees to balance inquiries, to ATM withdrawals of hundreds of dollars ( {$490.00} ) at last count. I filed a claim immediately and the account was closed on XX/XX/XXXX. When the money was transferred from the old account several hundred dollars was not transferred and was left in a closed account that I could not access. I called to check status of claim in order to gain as much information on the charges I could in an effort to investigate on my own to verify what and why this issue was happening. The charges on the statement were listed as ( XXXX # XXXX??? Withdrawal XXXX XXXX ) and when I did an internet search on this info I received only hundreds of fraud related, scam websites. I contacted the bank after I received a letter that the claim was denied. I then asked to be provided the information and records of the steps taken to investigate the problem and where the. Merchant was located, what type of charge it was were they all from the same area and were they related to the unknown authorization codes I had been receiving? Three requests were made on three different calls and still never received any info I had asked for related to my claim denial. I asked for an extension on the claim timeline in order to give me time to receive the paperwork and have time to research the evidence given from their side. I have no other avenues to pursue as to my knowledge and would like advice on how to proceed whether it be legally or intellectually discussions. The latter seems fruitless. I am against a time restraint and need immediate help as my money is still in the closed account, the account is listed as being in the negative {$880000.00}. Thats correct XXXX XXXX and XXXX XXXX XXXX dollars which has been getting emails sent to me from credit agencies about the negative impact this is having on my credit. Why will they not just provide my request for info? Isnt it required thru regulations E of the Electronic Transfer Act? I will be glad to provide screenshots showing above info, however at this time I need to insure all personal info has been deleted from shots before uploading. Thank you in advance. Not you Bank of America!

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 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS 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 2021-02-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MA
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:
Im little concerned about your METHOD of INVESTIGATION into these 2 accounts shown below. There is no way that these 2 accounts ( Charge-off / Collecitons ) were ever investigated by your company. For example, it continues to report different dates of last active, dates of last reported, dates of last opened, different dates of 1st delinquencies, etc. IT continues to report misleading, incomplete, and unverifiable data, and therefore, its illegally causing this account to re-aged and its in violations of consumer laws like fdcpa, fcra, etc. You can not reported them as such, especially with these inconsistencies on report. Its my understanding under the provisions of the laws that a collection account is by default is LATE and PAST due and it can not be reported a such. Its reporting in violations! Also, I didnt received any IRS notification for 1099c for those charge off account and it continues to report questionable balance, and account status was NEVER updated. I demand an immediate deletion on this account now. THANK YOU! YOURE THE ONLY CRA THATS REPORTING THIS ALLEDGED DEBT! .DELETE!

Company response to consumer: Closed with explanation