BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Social Finance, Inc.
State: NJ
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:
Morning I received three copies of SoFi credit card past payment due letters. I disregarded the first two as a mistake. I checked my credit report today and saw amount past due. In the past I received several notices by US mail to apply for a loan from So Fi, which I did not. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XX/XX/XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with Rubin & Rotham and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and Rubin and Rotham also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX Rubin and Rotham took XXXX, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXXknows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received Rubin and Rothams partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.

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 2021-08-23
Company: Experian Information Solutions Inc.
State: TX
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:
Unauthorized and inaccurate information from 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 2020-11-01
Company: CarMax, 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:
due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. 
I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My judgement is for {$8000.00} + 5 % annually. My debt was purchased by Cavalry SPV. I have paid {$1000.00} in total payments. They tell me my balance is {$8300.00}. They will not tell me my beginning balance. And wont tell me where my payments have gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: NJ
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from OnLine Information services to collect debt from " XXXX XXXX ''. 
This is obviously not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to XXXX and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.

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 2020-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2019 i switched bank accounts and forgot i had to add my new debit card information to my credit account and missed a month and halfs time of payments. once realized i quickly resolved the issue and have been paying on time like usual ever since. i would like to have the late payment removed for my reporting history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My company where I have recently joined uses XXXX  software, which is a cloud-based payroll software to make payments to its employees in the US. When I try to link my PNC account with the XXXX   software, a notification message pop-ups on the screen saying that PNC Bank has made changes that prevent me from linking the account with this software. My company has been trying to solve this issue, but they are unable to do so. 

Kindly solve this issue and help me link my account with XXXX  software to receive my salary swiftly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: MD
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:
My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.

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 2020-11-01
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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 2020-12-09
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/2020, I have contacted Comenity Bank 13 times in writing and multiple phone calls to request that an amount of {$250.00} be reimbursed after it was incorrectly withdrawn from my XXXX checking. It occurred after a canceled payment in the XXXX XXXX XXXX  in XXXX Washington. 

I was able to obtain a copy of the canceled transaction receipt for the attempted payment on XX/XX/2020, of {$250.00} from the XXXX XXXX XXXX in XXXX, Washington. I sent them a copy as well that shows the transaction status states CANCELED, and then further down it states, " The aureus response text : DECLINED '' And the reason " Payments can not be made on a MasterCard account until a customer has received and activated their physical card, '' was given. I had not, in fact, received a physical card at that point. 

I also sent them a letter from my credit union, XXXX affirming that the transaction posted to my account and the funds of {$250.00} had been removed from my checking. The official letter gives the date, the time the transaction was initiated, as well as the trace number. 

I have submitted everything Comenity Bank has requested and still have yet to get the problem resolved. It has been going on for almost 8 months now. I have requested that the amount either be applied to my account or refunded back to my bank since I made a second payment of the exact amount from XXXX XXXX XXXX XXXX on XX/XX/2020 that was correctly applied by Comenity Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of Equifax, XXXX, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX  XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report Equifax, XXXX, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is holding me XXXX. As of XX/XX/2020 I have tried 4 times to temporarily lift a credit freeze as part of a home purchase. They keep giving me the run around about how they can not lift the freeze even though I pass all of the security questions. They keep sending me to an overseas call center and refuse to let me speak to a supervisor. 

In contrast, both XXXX and XXXX have been great. 

I do not appreciate how a company which I did not choose can be preventing me from having a credit report run. They should be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, I filed a complaint with the FTC for identity theft. One of the five accounts listed is on my Equifax credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, the latest copy of my credit report, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. Equifax did immediately put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Plus, my credit score declined by 72 points. There are only 2 negative reports on my file. Can you please help me get this information to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief