BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: U.S. Auto Credit Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have reached out and disputed with this company for the past 7 years explaining that I believe this account was taken out fraudulent only thing I was told was it was done with a company called XXXX XXXX XXXX but that company is out of business also I asked that they provide the original contract showing any information that would help me figure out how this transaction transpired but they have failed to send me that they are on my credit as charged off and they still report late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a pill grant of {$6800.00} from XXXX. When I received the student card from the bank, I learned that another person opened an account before and took the student loan. When I spoke to the bank, it closed my account and told me the bank refused to send a credit card. After approval, he refused and asked me to give him another bank account number. Or sending money, a check for the money granted XXXX $ for each semester, after the end of each semester, I asked them where is the rest of my money and why did they not send me a prepaid card, and after a short period of time someone opened a personal account from the bank account requesting a loan and a credit card. I informed the bank and they closed the card twice, but they sent me {$430.00} only And {$6800.00} I have money left over from the grant, {$860.00} Knowing that I am permanently residing in the state of California, studying and working, and I have an American citizenship, the college says that I am not a legal resident to withdraw the scholarship money.

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 2019-04-24
Company: DISCOVER BANK
State: CA
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:
I was recently contacted from XXXX regarding a fraudulent account that appears under my name and social from Discover Card I never given anyone permission or consent to open said account. I immediately reached out to Discover to report that this card was not mine and was given the complete run around. They tried to give me an address to write into. 

Unhappily I escalated to a manger who in return gave me a number to the executive office. Once I indicated to the executive office that I filed a complaint they said it will be handled through that channel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

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 2023-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already have disputed this account multiple times for the last XXXX  months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CAP ONE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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 XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for transunion and Unknown - credit extension, review, or collection for XXXX. Transunion is reporting the date opened as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

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 2023-04-24
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, XXXX and Equifax, Reference # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/2021 I placed an XXXX order which is funded by my PNC debit card ( recently Compass bank ). I cancelled the order within an hour. XXXX acknowledged the cancelation and said they don't debit the account until the item actually ships. Online I was able to see the hold PNC had placed for the {$350.00} for said purchase. XXXX contacts the bank and has a hold put on the purchase amount, but does not actually transfer the funds until the purchase ships. I had the bad fortune to make this transaction as PNC was switching all Compass accounts. I have been in the physical bank on 4 occasions and on the phone numerous time to no avail. I have been put on lengthy holds and twice disconnected. The branch manager filed an escalation for me, but I can get no information on it's status. I spent over a month now trying to resolve this issue with the bank. It is now time to escalate the issue to the banking authorities. 

( my PNC account # is XXXX to help in tracking this issue )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: MN
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 following credit card accounts and credit inquiries listed on my Experian and XXXX credit report are all fraudulent, unauthorized and the result of identity theft : XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX  XXXX/XXXX  , XX/XX/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 2018-11-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed this account on all three credit bureaus and asked for validation ... .not address verification. 
Asked for chain of title if account was purchased from another country. 
Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. 

I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. 

I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
California auto finance has tried to scam me from the beginning. From the first payment they lied about fees I didnt own called me a liar and my fianc a liar. Gave my fianc all the information from my loan when he is not on my loan. They have gotten into arguments with my insurance company because they where trying to charge me for not having insurance when I did and tried to charge me for it still with proof. I spoke with them letting them know that due to COVID-19 I was struggling to pay but that I would have payment. I always pay. They call my cell between 3-6 times a day sometimes with multiple text saying I owe them. They call me even when I give them a date that I will have payment. They call my job multiple times a day call my coworkers liars and pretend to be sibling. My coworker cried once from the lady stressing her out too because of how many times she called in one day. My coworker said she kept calling her a liar. ( I was not in the office at the time ) they leave me threatening voicemails like Im going to come to your job today which sounds very threatening to me. I am so overwhelmed by these people I have had mental breakdowns and I have been having trouble sleeping and this has really effects my job performance. This has honestly been the worst experience I have ever had. I went from promotion talk to my general manager questioning my performance. I need help! I cant even talk to them anymore in fear they are going to threaten me and ask for more money. I have proof of all of this and i do t know what to do anymore. My payment was only a few weeks late and paid for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This involves XXXX XXXX My account was hacked back in XXXX. There was a bunch of unauthorized purchases all in one day that I did not authorize. We have tried to get in touch with anyone that could help they customer service and still havent been helped. Get nothing but the run around. We have spent over 100 hours on the phone trying to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: MOHELA
State: NV
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:
In accordance with the fair credit Reporting act XXXX, XXXX and XXXX have violated my rights. 

15 U.S. Code 1681a.2 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-05
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my reports and saw this medical collection account furnished. I do not owe this alleged debt. Also i understand under 12 CFR 1022.32 medical information can not be shared, especially without prior consent under 15 U.S.C 1692a.

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 2021-02-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've used Paypal for many years. I set up a secondary account a year ago that I've been unable to access because they claim they will only send the code to my phone. Ironically, they've now locked me out of my primary account ( with thousands of dollars in transactions ) and claim they will only send an email. I no longer have access to the old email, so I called and they refuse to take my call, having their automated system hang up on me immediately, 4 different times This account should still had funds, has my credit card information and debit card information and has transaction histories I need for tax reporting. I expect a response. I'm not able to delete all my personal information or access it for reporting, they've completely scammed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I applied for and received a BJS Mastercard from Comenity Bank but because the interest rate was so high I never activated it. At the time I also applied for, paid and received a BJs membership and I used the membership in XXXX only. 

Because I never activated the card, I didn't think a new charge for membership could be added to that card so I never checked notices from BJs until XX/XX/XXXX. I called BJs and Comenity to straighten this out several times saying I never activated the Comenity Mastercard so how could a membership be charged. I told them I had lost the card and if they would send me a new one, I would get a membership. They sent a letter saying they could not validate my address so I couldn't get a new card. 

I called again and told them to cancel everything. Comenity had ruined my credit report saying I defaulted on payments and kept charging me fees. Now my balance was {$180.00} for a credit card and membership I did not have or want. 

From XX/XX/XXXX until XXXX XXXX I made at least 5 calls and was  assured my balance would be wiped out and the card discontinued. Although I do not want this card, I am not sure they have discontinued it and on XX/XX/XXXX I again received an invoice with a balance of {$85.00} which I have paid out of fear that my credit report would continue to tank. 

I also sent a letter to Comenity stating I wanted to contest the fees and in response they said it had been taken care of. 
I am XXXX years old and have had credit and mortgages for over 40 years and have never defaulted! 

I have been very upset over what was originally a {$55.00} membership I told them I did not want and have never used either the BJs membership or the Comenity mastercard. 

Can you help? XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: IN
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 am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) I have not been able to reach Equifax. They are unavailable over the weekends

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Public record information inaccurate

Complaint:
MY CHILD SUPPORT CASE SHOULD NOT BE ON MY CBR AS THERE IS NO PERMISSION FROM THE COURT TO PUBLISH THIS INFO ITS ALSO INACCURATE I WAS NEVER LATE IN XXXX AS I AHD FULL CUSTODY AND HAVE HAD IT SINCE XXXX AND ALL THOSE LATES SHOULD BE REMOVED IMMEDIATELY

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 2023-02-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation