BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
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:
I contacted Equifax initially some time in XXXX, advising that I did not recall opening an account with XXXX/XXXX XXXX which is listed on my credit report. I received a notice advising that the account was accurate. In XX/XX/XXXX, I sent another letter requesting information regarding this validation that was done. In response, Equifax sent me a letter stating that the account was investigated and proven accurate. Shortly after that, I received another notice stating the account was listed as " not specified '' That's not what I asked for. The creditor in questions is currently being sued by my state attorney generals office for predatory business practices. As requested, I need the physical proof that I had business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion I disputed XXXX  XXXX XXXX with you back in XXXX about a 30 day late on XX/XX/XXXX and also another 30 day late on XX/XX/XXXX. I sent you factual proof that XXXX XXXX had taking payment for the Month of XX/XX/XXXX But on XX/XX/XXXX you sent noticed back that this has been verified.. How has this been verified when you have factual proof of a payment was made. please delete this account as you have failed to do your Job. I noticed and already have a dispute the update on a lot of your accounts that you claim was verified are not updating I don't understand why you are sending them to customer relation this is nobody issue but transunion. When you get noticed back from creditors the systems should auto change the date. could you send me the date and time that you sent the dispute to XXXX and also the date and time XXXX replied back to you via XXXX XXXX. also you didn't remove the two 30  day late I know you didn't investigate this account as well. 100 % FCRA 100 % accuracy

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 2019-08-09
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
this is fraudulently opened this is not my account I have no knowledge of any property in XXXX Pennsylvania

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CarMax, Inc.
State: MD
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 inquiry from Carmax XXXX XXXX on XX/XX/2019 i never applied for a loan from carmax and never authorized anyone to inquire on my behalf. I called Carmax, asked for a supervisor. Asked for any proof of my authorization. they refused to give my anything also refused to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AUDIT SYSTEMS,INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently received a phone call from Audit systems at XXXX and they are saying that I have a outstanding debt from a company and they wont provide any information about the debt, they have some information but keeps asking me about more information about my personal life information that should never been asked. The debt was never verified by the reporting company as written off, and could not even provide statements of so called documents of charges that rendered service that was not covered by insurance. The debt collection agency would not issue any verification of the charges that she was trying to collect and repeatedly request and gave a 2 day call back retraction schedule for a sunday since the call was taken Friday. And I was told to call back if any ideas or suggestions about this debt and the call is outgoing only. So it sounds very much fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Business Revenue Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
at XXXX on XX/XX/19 I called the collection company to offer to settle the debt for 50 % since I am unemployed and still recovering from XXXX. 

The man on the phone refused to work with me. 

I then told the man to cease and desist contacting me, that I would work with the original doctor 's office that I owed. 

The man then called my cell phone twice after I told him to cease and desist ( records available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received written correspondence from three different collections companies over the past 4 years trying to collect on a Credit Card Debt. The debt has been sold Original Debtor Listed : XXXX XXXX XXXX  XXXX XXXX 1st Collection  Company  : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2nd Collection Company XXXX XXXX , XXXX XXXX , MO XXXX Current Collection Company Resurgent Capital Services LVNV Funding LLc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a open account with XXXX that was fraudulently opened by someone. I submitted the XXXX fraud packet and have not had a response from XXXX. I did not approve the account to be opened and I was charged with an account in my name that I did not open or approve of. I asked that this account be investigated and that it be erased from my record. I did not approve of this account nor did I know that it was open and that is unfair to me and my identity, I have not received a response from XXXX or the erc collection agency.

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 2020-09-02
Company: EQUIFAX, INC.
State: DE
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:
Impacted by the Covid 19. Please have XXXX XXXX remove late payments from 3 credit bureaus ( My credit report. I have explained to XXXX from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before covid 19. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what XXXX has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that XXXX was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY XXXX XXXX  XXXX. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX  XXXX! The least XXXX can do is remove these late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother had a credit card with Bank of America and it was with my checking account with Bank of America. Two years ago, when my mother became ill, they charged off her card and took {$3500.00} from my checking account, affecting adversely my business operations. I agreed to pay them {$100.00} per month to pay for this. The monthly {$100.00} installments then stopped in late XX/XX/XXXX, so I assumed it was all paid off. Then on Friday, XX/XX/XXXX, Bank of America took {$5100.00} from my account, claiming it was for my mother 's card. This money was about to be wired to my business partner and I had already made the transfer request and without any notice, Bank of America took the money and the transfer did not go through. I just finished fixing the damage from the last time Bank of America did this and now they set me back again. I feel some action needs to be taken against Bank of America. They are way out of line and I want my money back! This is affecting a good partnership I've had for many years. I also plan to report them to the Board of Governors of  the Federal Reserve, and I would like to get the news media involved if possible.

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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a continuation of the complaint filed with CFPB ID : XXXX on XX/XX/XXXX. 
I would like to know why their local branch Capital One Bank XXXX XXXX XXXXXXXX XXXX, XXXX, Texas XXXX did not respond to the letter 's sent on XX/XX/XXXX and XX/XX/XXXX by our attorney XXXX XXXX XXXX as per attached.. 

I would also like to know if their customer XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX. XXXX TX XXXX and outlet Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Direct Tel : XXXX Taxpayer  Number XXXX is still a customer of Capital One bank in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX, I am speaking with XXXX at the executive offices, he is addressing my concerns with the refund amount of XXXX, when refund should be XXXX for fraudulent CPI charges placed on my account. Executive offices are claiming to have refunded all CPI related charges but can not verify where my over payments went as they do not reflect my principal or interest. He denied that CPI charges were included in payments acting as if the funds were held separately. I have a letter dated XX/XX/XXXX from Wells Fargo stating that my loan is in default because I did not pay all of the insurance premium in the 2 mo that I had the loan. Executive offices are denying sending this letter out. It is attached. Executive offices are saying I am not allowed to refer to my monthly statements for accurate payment calculations and schedule. 

Please advise where the loan payments from XXXX XX/XX/XXXX were applied to if they did not get applied to ins premium, late fees or additional interest. 

My loan was for XXXX at 5.99 % int. for 60 mo. 
The total paid out to Wells Fargo in 15 mo is over XXXX. 

Please advise where my payments went as I see that only XXXX ever went to my principal and interest.

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 2021-04-16
Company: EQUIFAX, INC.
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:
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital one auto financing put inquiries on my credit report XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 i called and informed them that I did not consent. They said XXXX did it. I never gave XXXX my consent and asked XXXX for and documentation with my consented they couldn't provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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: Personal information incorrect

Complaint:
I have sent letters to XXXX, XXXX, and Equifax asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit  bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.

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 2019-08-09
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a previous tenant at XXXX XXXX and upon terminating my least I was informed that I had to give 60 days notice when I was not aware of it I was previously told 30 days notice. Because of this a charge was added to my account of {$590.00}. This account is from XXXX and has been forwarded to a collections agency. On XX/XX/XXXX I reached out to capstone credit and collection to inform them of the situation and requested to have this removed from my account and they said the best they could do was a settlement of 50 %. I informed them of XXXX   failure to properly inform me of a 60 lease termination agreement which would result in a month 's rent company also kept my deposit which I believe should offset the caseworker named XXXX XXXX told me I should get an attorney because there was nothing that they could do. Said I got to go and basically hung up on me after I told them I was going to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: FC HoldCo LLC
State: PA
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:
Flagship Cre is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive 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 2019-08-09
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!

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