BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. This company fails to remove fraudulent account from my report even after notified that the account is fraudulent. I have never opened this account. Someone else used my identity documents to open this account. I sent this company my dispute letter on XXXX.18 and attached with it Fair trade commission report and police report in regard to identity theft but to my surprise they refused to delete this fraudulent account In accordance with the Fair Credit Reporting Ac : 1.XXXX. AC # XXXX This Account is not mine and is Linked to fraudulent I have enclosed 1.a copy of the dispute I sent to them on XXXX15 2.a Police ID theft report and 3.an FTC ID theft 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 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found 2 dogs online that I wanted to buy from a person and spoke with her over the course of a few days. Once everything was settled and agreed upon ( {$500.00} each plus shipping of {$180.00} ) she said she was going to ship the dog to me as I live in Texas and she was in Georgia. I asked how that process worked as Im not comfortable with shipping animals and even though its a long drive I would prefer that. She said that the dogs are always shipped with vets that handle their care until I get them and they are never unattended. So I begrudgingly agree. When she takes the dogs to the shipment vet company she sends me an update stating they will be contacting me for a {$1000.00} deposit to rent a crate for transport that is standard and I will get it back once theyre delivered. Halfway through the shipment I get a call from the company stating that they need  insurance papers documenting the orders of transfer/transport and its {$2000.00} to get those papers but it will be refunded once the delivery is confirmed. I didnt accept this one lightly. I argued with them over that but they convincingly made it seem insistent so I did it. I was at work and unable to really focus on the gravity of the how much this screamed scam as I was distracted trying to get end of the day work  completed while also dealing with this nonsense. Afterward they say that the office is closed but theyll get the papers the next morning first thing. As that is taking place I ask what airline they are using as well as flight number and their response was that it was a private plane. The next day I realize how much of a scam Ive been taken for and I call my bank to file a claim. I get another notice as Im talking with my  bank that they are held up in XXXX and need another {$2500.00} for something else and I said that I was on to them and they werent Getting another ounce from me. They threatened animal abuse and neglect charges to scare me into another payment and I said that it contradicted what they said before and how so much of what theyve said has been contradictory. My bank has done nothing to help me and Im out {$4100.00} Im just now finding out that XXXX has no buyer protection - I thought it was like XXXX but since it was backed with my bank it would be safer. Now I feel scammed not just by this XXXX but also my bank. I Have a substantial amount of emails that are too large to attach but can be sent at any time.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: PR
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:
Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court Puerto Rico and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

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 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2019-01-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a {$5000.00} mobile check deposit into my Santander Bank checking account drawn on another account I had with XXXX XXXX. Later that day I received a notice from Santander indicating that the funds from that deposit would not be available until the second business day after confirming receipt of the deposit, or in some cases, no later than the sixth business day after the deposit. This is all in accordance with the Santander Funds Availability Policy. On the next business day, XX/XX/XXXX I confirmed through XXXX XXXX  that the check had been debited from my XXXX XXXX account and the funds were debited on XX/XX/XXXX. On XX/XX/XXXX I received a notice in the mail from Santander Bank ( dated XX/XX/XXXX ) indicating that they were delaying the availability of {$4800.00} of the deposit since they were unable to verify funds for the deposit. Since XX/XX/XXXX, I have incurred {$70.00} of insufficient fund fees since the funds that Santander received on XX/XX/XXXX were not credited to my checking. When I contacted Santander customer service they explained to me that the funds for the check were being verified and that the funds would not be available until the end of the day on XX/XX/XXXX. These funds were finally made available to me late in the day on XX/XX/XXXX. 

I believe that Santander Bank is in violation of Regulations CC which defines the requirements for a bank to make availability of funds to its customers. I feel that the Santander Bank Funds availability policy is in violation of Regulation CC for the following reasons : 1. Section 229.12 of the regulation states that a bank shall make the funds drawn on a local check available to a consumer not later than the second business day following the banking day on which the funds are deposited. Since the funds were debited from the XXXX XXXX  account on XX/XX/XXXX it is apparent that Santander was in receipt of the funds for the deposit for which they did not make available to me.

2. Section 229.13 of the regulation does provide a bank to extend the availability of funds based on certain criteria defined within the regulation. The notice provided to me did not state one of the permitted exceptions, it just stated unable to verify funds. This is not consistent with the fact that the funds from the XXXX XXXX account were debited on 5 days prior to the funds being made available. 

It is apparent to me that Santander Bank has developed their funds availability policy to accommodate their inefficient operational processes and profit from putting an extended on their customers funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around 2010. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX  XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
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 attempted several times to remove a chapter XXXX bankruptcy from XXXX  and Experian. Now they call the dispute frivolous. XXXX has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Kansas Counselors, Inc.
State: MO
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:
Kansas Counselors Inc. and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore Kansas Counselors Inc is past the statute. The account # 's are Kansas Counselors Inc # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 ; I filed a formal dispute with Experian 's fraud department in reference to items that are being reported in my credit report. I disputed a public record stating a bankruptcy, a fraudulent account opened with XXXX XXXX XXXX XXXX  and an incorrect balance with XXXX XXXX XXXX XXXX.

I disputed the bankruptcy public record because I became aware that any bankruptcy filing made in the XXXX Circuit Court jurisdiction with personal identifying information such as a social security number, date of birth and current mailing address is made under judicial seal. Experian obtained personal identifying information, that is still under seal by the court, and published it illegally on a credit report. I spoke at length with the Clerk of the United States Bankruptcy Court and was told that under no circumstances that personal identifying information is released to third parties because of the risk of identity theft and fraud.

I brought this information to the attention of Experian 's fraud department and disputes department on XX/XX/2018 at XXXX. Experian denied obtaining the information contained in the report themselves but through a third party vendor because its a public record. I requested the name and contact information of the vendor and they denied my request. On XX/XX/2018 at XXXX ; I spoke with Experian again through their special handling department and again reiterated the position that information was public record, to which I stated that personal identifying information is not public record especially information under judicial seal. I again demanded the vendor information and was lied to that the court not a third party vendor supplied my personal identifying information in violation of the judicial seal.

The other issues with Experian involve improper fraud investigation of disputed information including the XXXX XXXX XXXX XXXX dispute and XXXX XXXX XXXX XXXX   dispute. Experian completed the dispute investigations without properly verifying the information disputed and leaving the information unchanged as accurate.

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 2018-11-22
Company: First Associates Loan Servicing LLC
State: VA
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: Investigation took more than 30 days

Complaint:
I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around XX/XX/XXXX. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keep calling me. I asked to stop calling me because the person they looking for isn't me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: HYUNDAI CAPITAL AMERICA
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:
I leased a vehicle with Hyundai XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to Hyundai sending a retired employee that was no longer employed by Hyundai. I uploaded the proof with XXXX on XX/XX/2020 from Hyundais mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.

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 2020-06-04
Company: Credit Bureau Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' CBCS Company, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with XXXX. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX. XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from CBCS. I have attached also most recent Consumer Loan Statement, from XXXX, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked XXXX to remove my name from loan, and it was refused. 

I ask that XXXX make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE CBCS LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE GROUP/XXXX XXXX & CBE GROUP/XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE CBE GROUP/XXXX, CBE GROUP/XXXX XXXX, XXXX. XXXX HAS NOT REMOVED/DELETED/BLOCKED- XXXX COUNTY RECORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Children 's Place/Comenity Capital Bank failed to give me proper validation of this debt. 

I mailed Children 's Place/Comenity Capital Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation