BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a deposit of {$23000.00} on XX/XX/XXXX onto my XXXX debit card for back child support payments. Beginning on XX/XX/XXXX ending on XX/XX/XXXX, my XXXX/XXXX number was stolen ( My child support payments are deposited onto this card ) and fraudulent charges in the amount of {$21000.00} were made. I live in XXXX CA and most of the charges occurred in XXXX CA and on dates that I can prove myself nor anyone I know were in those cities. I have always had my card in my possession. It has never been lost or stolen. I had no idea of the fraud until I tried to use my card and it was declined. I called the automated XXXX phone line and was alerted to there being a {$0.00} balance. On XX/XX/XXXX, I immediately contacted XXXX to report the fraud. I was told that my statements would be mailed to me so I could review the charges. And that I only had 10 business days to place a fraud claim. On a side note, I have been in contact with XXXX numerous times regarding issues with accessing my account online. I was told a technician would call. And I have still not received a call from a technician. If I had access to my account information online, I could have noticed the fraud in XX/XX/XXXX instead of two months later in XXXX. When I had not yet received the statements in the mail by XX/XX/XXXX ( 1 day before the deadline ), I called XXXX again and was told the statements had never been ordered by the rep I spoke to on the XXXX. So, I spent 3 hours on the phone with XXXX handwriting every transaction that was not made by me. I faxed all the required documents on XX/XX/XXXX. Then on XX/XX/XXXX, my statements arrived and I found additional fraudulent charges. I re-faxed the updated information to XXXX on XX/XX/XXXX. When completing the paperwork for the XXXX claim, I did make note that my daughter, prior to XX/XX/XXXX, had used my debit card, WITH MY AUTHORIZATION and with me in the car. Due to this, XXXX closed my claim with no investigation. Please see attached letter regarding the closing of my claim. I was never offered the option of direct deposit for my child support payments, but have now set that up. During this time, I filed a police report and reached out to XXXX XXXX, the issuing bank on the back of the card. XXXX XXXX was of no assistance stating that XXXX is responsible for the handling of fraud claims. My issue is that {$21000.00} of my money was stolen and I am not receiving the attention this dire situation merits.. I am not the only XXXX holder that is in the situation. If you XXXX " XXXX Fraud '', you will find over 600 bad reviews. I feel like I am running in circles, having spent hours on the phone, sleepless nights and experiencing high anxiety, with no help or resolution in sight. I would like to file a claim against XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXXXXXX Routing No XXXX I am attaching the police report as a result of identity theft

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 2020-08-26
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The company XXXX XXXX XXXX XXXX Fortiva opened an account in my name which they claim is for new equipment for my XXXX security system. I relocated from XXXX  to XXXX and upon relocation I had XXXX   move my service. The second technician to arrive at my house stated they did not upgrade my equipment and used some equipment from my prior home. I never signed an agreement for this account to be opened to finance my equipment and I did not authorize this account to be opened in my name. If they have a signature it is not mine. This account needs closed and removed from my name immediately. This is fraud and a violation of CFPB consumer credit guidance. This company can not produce my authorization to open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Loancare Auto Finance
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: Account information incorrect

Complaint:
On XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX in XXXX, Florida. 
A week later the blower motor went, which I fixed and alerted the dealer. Also, that same day I let him know the car was shaking real bad when I went over 45 mph. He said he would check it out, they did and told me nothing was wrong it may need some new tires. For the next seven months I was back and forth to the dealership, because the car was giving me issues and each time they would tell me nothing was wrong, yet the car was still shaking and barely moveable. Each month I made payments on time. Finally, in XX/XX/XXXX I spoke with the dealer and submitted the vehicle and told him to fix whats going on or keep the vehicle. I told him I couldnt afford to fix the vehicle and make payments. He said because I was honest with him and submitted the vehicle in good payment standing, that I was good, he would call it even. At this point, I thought it was over. A month later a guy I see a guy in my neighborhood with the same vehicle that I turned into them. So now Im like everything worked out well. In XX/XX/XXXX I happen to check my credit report and what do I see an open account from XXXX as if I still have the vehicle. So on XX/XX/XXXX I call XXXX in there financial department. I tell her I have taking pictures of the vehicle and I know its been released and that they are very wrong for still having me tied to this vehicle. She says they must have made a mistake and that the account should have been closed and that it shouldnt even be on my credit. I told her I was going to file a report and she beg me not to, she said she would fix. She called me back and sent me a text showing they had cancelled the balance and that it would be off of my credit on XX/XX/XXXX because thats the day they report. However, it wasnt removed. After several calls I decided to let the bureau handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Regional Acquisition Group, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX  because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax received my notice of disputeXX/XX/XXXX. The dispute was not open until XX/XX/XXXX. By law, they were suppose to open a dispute and notify the creditor within 5 business days of getting my dispute. The dispute was resolved XX/XX/XXXX and I was never notified.  Today is XX/XX/XXXX and I still have not received any notification of the results. My consumer rights have been violated and I will sue if this mater is not resolved immediately. This entire process has caused me tremendous undue emotional and financial distress. An account that is not mine reporting on my credit report and Equifax is giving me the hardest time to remove it. No other credit bureau is reporting this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the disputed fraudulent information from my Credit Report. I sent a letter dated XX/XX/XXXX to remove the information reporting on my Credit File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including it again : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} CHLD SUPRT  XXXX Balance Owed : {$30000.00} CHLD SUPRT XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX CPS XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018, 30-days late? - how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Selene Finance LP
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This invades my privacy with this being on my record. 
XX/XX/2017 all charges include XXXX XXXX XXXX XXXX XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays Bank issued the XXXX XXXX Credit Card, which includes a benefit for up to a {$50.00} statement credit for online subscription services after spending {$5000.00} or more on the card per cardmember year. My cardmember year starts on XX/XX/XXXX and end on XX/XX/XXXX, the next year. I've spent more than {$5000.00} during the XXXX cardmember year, with {$44.00} in approved subscription services XXXX XXXX, XXXX XXXX XXXX. As of XX/XX/2019, 45 business days after the end of the calendar year, XXXX has only issued {$14.00} as a statement credit for those subscription services. They are missing {$30.00}. I have tried resolving this issue directly with XXXX four times, one via phone and three times via secure online messaging. They have not agreed to issue any statement credits.

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 monetary relief
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent 3 letters to the credit bureaus : XXXX, Transunion and XXXX  bur they don't update the informations on my credit report, and don't remove things that I already paid.

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 2018-04-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXXand Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-04-23
Company: OpenRoad Lending
State: CA
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:
Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have fallen a couple of weeks behind on an Oportun loan and they are constantly harassing me by phone, harassing the person 's in which I gave Oportun their phone number for reference by telling them that they can not contact me when I have been in contact with them by phone at least once per week and usually twice per week with payments or updates. I received a letter from them today threatening to sue me over the late payments in which they claim that I am 47 days late and have {$230.00} overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit 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 2017-11-30
Company: Experian Information Solutions Inc.
State: HI
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:
HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. 


Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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: Information belongs to someone else

Complaint:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses 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 2017-11-30
Company: EQUIFAX, 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 submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief