BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This happened in 2015 when I helped a friend sign a car lease and I wasnt aware that I was signing the ownership and I ended up in a {$15000.00} debt for a car that wasnt ever mine. I want to make things right because this is affecting me personally when I try to use my credit. The car was repossessed without me knowing because I was never the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-09-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Please see the attached document which is 4 pages long. The company did not process my disputes correctly. They processed them as unauthorized fraud. That is not correct. I disputed because the ATM DID NOT DISPENSE any funds in these transactions.

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 2021-02-12
Company: EQUIFAX, INC.
State: GA
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 reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXX Ct, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
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: Account status incorrect

Complaint:
I financed a vehicle in XXXX of XXXX with XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) account ending in XXXX ). I've always maintained current payments on the car.The car was total loss in an accident in XXXX of XXXX. In XXXX of XXXX the auto loan was paid in full with a combination of insurance proceeds and money from me. Equifax is reporting the account as 90 days past due as of XX/XX/XXXX. 

I have attached a letter from XXXX XXXX XXXX confirming that account has been Paid in full and should be reporting as " Paid In Full, Current '' as of XX/XX/XXXX. 

This incorrect record is negatively affecting my credit profile and is making it quite difficult for me to obtain additional financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2019-09-08
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX XXXX from Quicken Loans called my husband XXXX to offer a refinance offer with a better rate that could potentially save him money. XXXX explained that he was not able to move forward with any part of the process until he was able to speak to his wife, XXXX. XXXX set up a phone call so all parties could discuss the details of this offer. This call did not occur because I, the wife, did not agree with refinancing at this time given that we had recently refinanced with Quicken Loans in XX/XX/XXXX. On Saturday XX/XX/XXXX I ( XXXX ) received a notification that I had received a hard inquiry on my credit report. After inquiring about this, it was identified that this hard pull was completed by XXXX XXXX XXXX XXXX for Quicken Loans. XXXX and I called XXXX to question why he had run my ( XXXX ) credit without my verbal or written consent. He was not able to speak due to technical difficulties at the time but said he would have his supervisor call us soon. The supervisor did call eventually but we had already reached out to XXXX, associate resolution advocate for Quicken Loans to explain. XXXX set out to investigate. She called back on Wednesday to tell us that the hard inquiry could not be reversed because in the initial conversation, XXXX was asked to give his dob in order to pull the report, which XXXX did not comprehend to be our credit reports. So XXXX did provide his dob but clearly stated that he is not moving forward with this process until his wife XXXX is informed. XXXX asked XXXX to speak to management in the hopes to appeal this decision. A senior management advocate called back and basically explained that nothing can be done. XXXX referenced the Fair Credit Reporting Act which should not allow access to a consumer 's credit information unless the individual him or herself gives written permission, or unless this is a court ordered issue. Additionally, a permissible purpose for making a consumer report for a spouse that is not involved in the conversation, should prohibit the creditor from requesting information on that spouse. I also asked if a copy of that recorded conversation could be shared or if she could provide me with something in writing that states that the hard inquiry could not be reversed and why, but the answer to both those questions was no, they are not able to provide such requests. I ask that the hard inquiry be reversed. My husband did not understand that by giving his dob verbally by phone, my credit report would be pulled and negatively affected. This is not only poor practice, this is to me a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: SC
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 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX  dollars on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX  dollars in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently contacted XXXX XXXX  regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On the report mailed via postal service, my personal information continued is NOT CORRECT and listed places I've never lived and lists my spouse which I've never been married.

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 2018-07-11
Company: PNC Bank N.A.
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:
On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. 


The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. 

In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ... 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 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 2018-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To : CFPB Consumer Financial Protection Bureau Regarding Bank of America I called Bank of America on XX/XX/2018 to tell them that I had just noticed some fraud charges on my checking bank account, for the past several months each month since XX/XX/2018 there was {$150.00} being taken out of my checking account in XX/XX/XXXX and XX/XX/XXXX there was {$120.00} each month being taken out for a total of {$700.00}. I informed Bank of America that I did not authorize those payments, the person who took my claim said she was going to credit me back the money I also ask them if I need to do anything else for my claim they said if there was more information needed I would be contacted. They messaged me a letter thru my bank account on XX/XX/2018 stating that my claim had been denied. I called the bank and asked why it was being denied if I never authorized those payments, they said to send in more information and they would further investigate that claim. I faxed over and emailed the copies of the police report and a print out of the fraudulent companies website. I checked my account today XX/XX/2018 and Bank of America took out of my checking account the {$700.00} they had issued a credit for on XX/XX/2018. 
I called Bank of America and the person who answered was very short and rude saying I should have never had gotten credit for this claim and they weren't going to do anything to try to resolve my problem that my money was gone. They kept on repeating that the Federal government doesn't require them to protect my checking account number that the Federal government only requires them to protect my debt card. 
I feel like as big of a bank Bank of America is they should protect my bank account totally not just my Debit card. I do not feel like they even tried to help resolve my problem. Someone stole from my bank account and the bank did nothing about it. I asked them to give me the information of the bank who stole my money so I could give it to the police so maybe the police can do something about it, but they rather protect the bank/people that stole from me than help the police try to prevent these things from happening to people. 
This money was stolen directly from my checking account and Bank of America should protect their customers.

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 2021-10-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 XXXX XXXX accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the XXXX XXXX accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for XXXX XXXX to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove XXXX XXXX accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also BMO is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and BMO will remove these late statues from my 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 2020-06-29
Company: ALLY FINANCIAL 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:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department. They also stated I worked for XXXX XXXX XXXX. 

They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Bank XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

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