BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX  so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX will not take a equipment charge off my credit report so my loan is on hold this problem started when I did not receive there return label and after returning the equipment on XX/XX/2019. Paid the full balance that included a early opt out fee. The equipment was returned on XX/XX/2019 and I was given a credit but it is still on my credit report as unpaid causing me to shut down my loan process and the investor that wanted to buy my house is looking at other property now because my loan is on hold and I have asked XXXX to update my account and this have not been done after I filed a depute on this case. Equipment is showing I owe {$390.00} instead of paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket. 
Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Santander Consumer USA Holdings Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX Chrysler and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern my name is XXXX XXXX, I am filing a complaint against Capital one Bank. I received a XXXX XXXX XXXX grant in the amount of {$10000.00} on XX/XX/XXXX, my XXXX  was a XXXX  XXXX  that I used to provide XXXX  and XXXX  for XXXX XXXX at that time. Because my XXXX was a XXXX XXXX, I used my Capital one personal checking account for that business purpose, which by law is totally legal to use your personal bank account for a XXXX XXXX. On XXXX  XXXX XXXX XXXX XXXX XXXX, Capital one put a restriction on my account six months after I received the XXXX grant. After explaining to Capital One Customer Security Department that my business was a XXXX XXXX the restriction was removed. On XX/XX/XXXX Capital One decided to put another restriction on my account, once again I contacted Capital One Customer Security Department and they said that they decided to close my account. The Amount in my account as on XX/XX/XXXX is {$3400.00} in my Capital One checking account XXXX, and {$240.00} in my Capital One Saving account XXXX, that is a total of {$3600.00}. Personally, I feel that Capital One Bank Customer Security Department profiled me, and I have a few reasons why I am making these allegations against Capital One Bank. 1. I received the {$10000.00} grant on XX/XX/XXXX, why would Capital One Bank wait until XXXX XXXX which is XXXX XXXX XXXX to put a restriction on my account? 2. After the restriction was removed the same day, which was on XXXX XXXX XXXX, since then I have received my {$600.00} Stimulus payment from the IRS, a XXXX payment in the amount of {$750.00}, and Cashier check payment for {$3000.00}, why on XX/XX/XXXX, did Capital One Bank decided to put another restrict on my account again? knowing that I currently have {$3400.00} in my checking account and {$240.00} in my Capital One saving without sending any type of warning letter or email of any kind and knowing that I am a XXXX  class XXXX American male, that uses my funds to put food on the table for my family and pay my bills. I am really upset about this because I really believe that Capital One purposely profiled and targeted myself and other minorities. I currently have a totally of {$3600.00} and Capital Bank needs to send my funds asap so I can pay my bills. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.

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 2020-07-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wish for the company to fully verify this debt with all original documents from the original creditor.

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 2020-11-24
Company: ALLY FINANCIAL INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. 

They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

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 2018-04-26
Company: Experian Information Solutions 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:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/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 2021-01-23
Company: Experian Information Solutions 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:
XXXX account that reported in Experian is a fraud account. I claimed I am a victim of ID theft and have been disputing this account over the past 5 months. I provided all document necessary to Experian and XXXX but they are defying my claim though could not provide the proper evidence I was asking for. 
Experian has inaccurately reported fraudulent XXXX, not only in its own reports but also listed fraud account in XXXX  report line within its 3 bureaus combination reports. In fact, this fraud has never been shown in XXXX  bureau and I never disputed this account with XXXX or XXXX bureaus from the first place. 
This inaccurate reports from Experian must be resulted from an ID theft or mistaken with somebody who has similar name as mine

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 2022-10-06
Company: Experian Information Solutions Inc.
State: VA
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 the Fair Credit Reporting act XXXXXXXX XXXX XXXX VA  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-05-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY PAID OFF IN FULL MY CREDIT CARD BALANCE FROM XXXX ( ISSUED BY WELLS FARGO BANK ) AND WHEN I PULLED MY CREDIT TO MAKE SURE THAT IT WAS REPORTING CORRECTLY IT WAS NOT. I ALSO NOTICED THAT THEY HAVE REPORTED THIS ACCOUNT AS BEING LATE ON PAYMENTS FROM XXXX OF XXXX TO XXXX OF XXXX AND THIS IS INCORRECT. MY DEBT WAS BEING MANAGED BY A DEBT MANAGEMENT COMPANY WHICH ALL PAYMENTS WERE MADE THROUGH THEM TO INCLUDE THE FULL PAY OFF AMOUNT JUST THIS MONTH. 

I CALLED XXXX AND THEY ARE NOT HELP, THEY CAN NOT PROVIDE ME WITH VERIFICATION OTHER THAN TELLING ME IN THEIR SYSTEM THAT MY PAYMENT WAS LATE DURING THOSE MONTHS LISTED ABOVE AND THIS IS INCORRECT. ALL PAYMENTS WERE LOGGED BY THE DEBT MANAGEMENT COMPANY. NO LATE PAYMENTS SHOULD BE LISTED ON ANY OF MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT AGAINST THE CREDIT BUREAUS, IT IS AGAINST XXXX FOR VIOLATION OF THE FAIR BILLING ACT AND THE FCRA. IF XXXX DOES NOT REMOVE THE LATE PAYMENTS FROM THE ACCOUNT HISTORY I WILL BE FORCED TO SUE THEM FOR VIOLATION OF THE FEDEERAL LAW WHICH CARRY 'S A {$1000.00} FINE FOR EACH VIOLATON. I WOULD ALSO SEEK REIMBURSEMENT OF ALL ATTORNEY FEES IF IT GOES THAT FAR. 

THEY ALSO ARE STILL REPORTING IN THE COMMENTS SECTION OF THE ACCOUNT " PAYMENTS BEING HANDLED BY 3RD PARTY DEBT MANAGEMENT COMPANY '' THIS IS NOT SUPPOSED TO BE SHOWING UP AS THEY DEBT HAS A XXXX BALANCE AND IS NOT LONGER HANDLED BY THAT COMPANY. 

THE FCRA SAYS ALL INFORMATION BEING REPORTED MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND IN THIS CASE IT IS NOT AND I AM SEEKING AN INVESTIGATION INTO THEIR REPORTING AND ASKING THAT A FINE BE APPLIED TO THEM FOR VIOLATION OF THE LAW. 

THIS IS NOT THE FIRST TIME THAT WELLS FARGO HAS BEEN GUILTY OF DOING ILLEGAL THINGS AND I WANT FULL RESOLUTION OF THIS ISSUE IMMEDIATELY

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 2020-11-24
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 XXXX XXXX  XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Dynamic Recovery Solutions, LLC
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:
Received a XX/XX/18 call to collect a debt not owed by me or any person at my telephone numbers ; XXXX and XXXX and XXXX  during the past 5 ( first two numbers ) and 10 years ( last #, XXXX  ). Unwanted Company/caller was Dynamic REcovery Solution, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and mailing address XXXX XXXX XXXX XXXX SC XXXX.

They have the wrong numbers for whomever they seek and they were simply lazy and slothful in conducting their business by failing to check their telephone lists, choosing instead to make calls and interrupt my day with their call and further time needed to attempt to have them stop calling my numbers by filing this complaint and talking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: LJ Ross Associates
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from LJ Ross Associates ( https : //www.ljross.com/ ) on XX/XX/20. The very rude individual claimed that I owed XXXX XXXX XXXX XXXX XXXX {$68.00}. 

I had lived in the greater XXXX XXXX area 2 years ago. They correctly stated my street address from that residence. 

Due to the aggressive nature of the call and my knowledge that I did not owe XXXX XXXX XXXX anything, I ended the call. I then called XXXX XXXX XXXX, who researched my past account and verified that I had paid all balances and closed the account properly. They also verified that they had not enlisted a collections agency as I had no debt with them. 

I called LJ Ross Associates the next day ( XX/XX/20 ). The same person answered the phone ( a very young-sounding female ). She was able to identify my account from my phone number, but incorrectly gave my address as the title company in XXXX, CA that handled my home sale. She then correctly stated my prior home address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA ). 

I informed her about my conversation with XXXX XXXX XXXX. She told me that was not true, and that they had been retained by XXXX XXXX XXXX Accounts Payable, and that I should call them and talk to a Supervisor. I informed her I had spoked to a Supervisor, and again informed her what they had said. She said that they had all my info, including my social security number, and that if I did not pay they would escalate collection procedures. 

I asked what State they operated in, as I was going to call law enforcement. She said " Good luck with that '' and hung up. 

I am very concerned that this entity has my information. Please direct me how I can file a claim against this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation