BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking my credit score I came across an inaccurate delinquent account under my name via XXXX. The account was made by fraud. I've disputed the account but nothing has been done to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Disputed with company on XX/XX/2019. The company received my dispute on XX/XX/2019 as shown according to the certified mail receipts. It is now XX/XX/2019 and I have yet to hear from or receive validity back from company. The FCRA gives the company thirty days to respond, I have not gotten a response.

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 2020-04-29
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX notified Sequium Assets last week to remove any negative tradelines from my consumer report. Sequium sent me an email this would be done, that they had already received the order. I have already missed out on purchasing a home through this situation. It seems Sequium is still reporting something that has already been proven to be a result of id theft. Sequium representatives also seem to be misled giving me different point of views each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not 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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Effective XX/XX/2021 you will no longer be able to write checks from any Bank of America savings account. How can you not write a free check from your own money as a customer but instead oijoin their On-Line Banking sysytem for a monthly fee of {$25.00}? It appears to be a scam to me to make money off it's customers. It should be investigated.

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 2018-12-27
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days. 

I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior. 

I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: UT
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:
Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, Quicken Loans ran an unauthorized credit inquiry in order to refinance my mortgage loan, of which I did NOT want to refinance. I was very clear that I was NOT interested in refinancing and requested that they stop calling each time that I received a call from one their associates. The phone calls were many, I would consider it harassment, especially because they proceeded with working to close the loan, of which I did NOT want to proceed. I found this out when I went to make my mortgage payment online and on my home page it listed another loan with the header : " We're Working to Close. '' I am currently trying to sell our home, we have no reason to refinance, nor did I authorize any credit Inquiry to be done by Quicken Loans. I contacted Quicken Loans immediately upon this discovery, I was told an investigation needed to be done, and it would be a few days. On that day, I spoke with a woman named XXXX, and requested that Quicken Loans retract the unauthorized Credit Inquiry immediately. Within that time, I received a packet of paperwork to proceed with the loan, this packet was sent by a person who goes by the name of XXXX XXXX, with the title of " Power Banker. '' I am devastated by the fraudulent actions of Quicken Loans, and their willingness to conduct business in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been disputing inquiries on my credit report For the last 6 months with TransUnion. I have been disputing erroneous, invalid and unverifiable reporting of specific Inquiries. I called and was refused the right to dispute. I specified the account names, inaccurate info and provided my personal info each time disputed. The company website does not work after 2 months of trying to dispute online. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action, but they ignored and/or overlooked my requests AGAIN. I sent a hand written letter in XXXX, requesting these inquiries be removed. 

In XXXX of XXXX I called to have these inquiries which, I do not recognize and did not give permission to have my credit pulled removed. Trans Union has NOT conducted an actual investigation. Trans Union has not provided verifiable proof via original instrument of indebtedness. I have on multiple occasions called over the phone to dispute inaccurate data and have been told that i can not dispute anything. The items i am questioning ( hard inquiries ) aren't disputable. I know Trans Union is not there to help me as proven over the last 6 months of disputing these inquiries. They are a for profit company who intends to conduct predatory business to keep consumers crippled. However, i know i do have rights. 

All accounts being reported on all consumer credit reports must be 100 % verifiable, 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer or i will seek legal action against this company. I have attached the responses received and listed the accounts in question that am disputing. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is the response letter from Transunion. AGAIN declining my request. I am asking that these inquiries be delete from my credit file as I did not initiate them. Trans Union can not seem to comply with the FCRA and the rights I do have as a consumer. I am utterly disgusted with this company and their intentional negligence. I will be filing more complains for other letters I submitted to them with similar responses.

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 2018-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I set up a CD with BMO Harris Bank and I originally had automatic payments going into the account to settle the full amount of the CD. However, the last 3 months of the CD, someone got a hold of my  account and routing number information and I was unable to get this resolved in time to make the payments. By the time I received the letters I was almost two months behind on the payments. It took a  while for the fraud department to get this taken care of and the funds reversed into the account. As soon as I found out about the situation I placed the remainder of the money into the account to close the CD including all of the late fees. If I can get this removed off of my credit report I sure would appreciate it. I had this CD for 3 yrs and didn't miss a payment and this mark on my report has caused it to go down. If you can look into this for me, I sure would appreciate it.

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 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Cap One Platinum Credit Card Account that I have had for almost 6 months was closed by capital one and adversely affected my credit score. I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. 

Capital one said there was insufficient funds which is not true. I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. I do not feel my account in good standing should have not been closed and credit history ruined because of a returned check that wasn't even a payment to this account. The payment that was made on a different capital one account was the correct account number and that had the funds to make good on the payment. 1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account ( s ) that has been paid on frequently with correct bank accounts. I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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:
A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX XXXX from XXXX  XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

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 2019-07-01
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: Account information incorrect

Complaint:
I paid off my XXXX XXXX Account No. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to XXXX and TRANSUNION. By incorrectly reporting this amount to XXXX  and TRANSUNION, XXXX is driving down my credit score with XXXX  and TRANSUNION. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

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 2018-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account Number XXXX with Nissan /Infinity. 
Please refer to case # XXXX for background of this complaint. Nissan reported to 3 credit agencies but still remains on XXXX. Emailed them to no avail, has not been removed.In email dated XX/XX/2019 to grounding team, see below, XXXX XXXX from XXXX XXXX of XXXX was assured this would be removed. Again please refer to past complaints, this charge being pd was the fault of XXXX, not myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied a rental car because of my Transunion auto insurance score. I'd like a copy of this report and score. It is NOT my Transunion credit score, rather my Auto Score

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 2017-12-08
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.

Company response to consumer: Closed with non-monetary relief