BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point

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 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is paying scammers, fraudulent merchant from my credit and debit cards leaving me with low balances. I'm consistently having to disputes these transaction that they are complicit in. I don't won't BOA paying anyone w/o checking with me first. In there mean time I have to wait 7-10 or longer business days before these disputes resolve. Leaving behind in other bills and paying late fees due to their actions. I was in an emergency crisis where I couldn't get my own funds due to their actions, therefore I quitting this bank after 12 years of service with them. I believe this banking institution needs to be thoroughly investigated on there banking practicing. Anybody nowadays scammer and fraudulent conspirators can get your credit and debit card information and pull any amount of fund available from my accounts and this bank will pay them off and fault me for them having that information, when I know nothing of these false charges that's being incurred and BOA paying them from 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is listing 13 hard inquires on my credit report illegally. Be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2021-03-06
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX Me and by Boyfriend ( XXXX XXXX ) purchased a car together at XXXX Honda where he is employed. it was a XXXX Honda XXXX  white. On our contract list him as the buyer and me as the Co-buyer. XXXX talks to me about trading in the car and I told him no that he did not have my consent to trade it in. On XX/XX/XXXX XXXX along with his Father XXXX XXXX traded in our XXXX Honda XXXX, without my knowledge or consent at XXXX Honda where he is employed. I went and talked to XXXX XXXX who is the New Car Sales Manager at XXXX Honda, and I explained that XXXX did not have my consent to trade our car in. he told me that I would have to talk to XXXX and that there is nothing that he could do. this is a direct violation of my rights as a Co Buyer for this car and loan. Im asking that action be taken against XXXX Honda to ensure that they never do this to anyone again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent. 

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with Transunion, XXXX  and 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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have a very serious complaint that has had me frustrated for over a month now I sent in my letters to the credit bureaus on XX/XX/2020 and to this date on XX/XX/2020 I have not received an investigation comment or results from items I listed as misleading and unverifiable this has caused me stressed I feel ignored of my issues and hope that we can get this resolved quickly. This is a violation not to even respond and its been over 60 days now. I hope that we can settle this matter quickly. 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 2018-05-10
Company: Ocwen Financial Corporation
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:
I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX  states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We used our credit card to put down deposits for work that was supposed to begin on our home in 2017. The zoning board stepped in which caused a delay of 1 year on our project. By the time we were approved the contractor had gone out of business and all of the deposits we gave were not applied and work was never completed. We contacted capital one and they did an investigation over a few months and said it was fraud and my money would be returned and that it could be used to finish the home. They wished me well and that was that. We then used the money with a new contractor to finish the home..six months later capital one calls me and said they were taking another look at the case and that they decided it should be redone as a dispute and reversed all my charges taking me from a negative XXXX balance to a positive XXXX balance. They refused to give me the transcripts of the calls where they said I could use the funds and they basically changed there decision because they said the time frame between the charges and the fraud claim was to long. I explained that was because of the 1 year process that took place because of the zoning board. I paid off the card over the original timeframe and only used it again when they said I could. I had to hire new contractors and pay for all the work again since the original contractor never did the work but gave my card to pay his debts telling me it was for deposits on my job. I only found out when it came time to do the work that he defrauded me and thats when I put the claim in for fraud. I dont understand how they can do an investigation make a decision and tell someone its finalized and they can use the money and when I do change there kind months later and take me from a credit of XXXX to a balance of XXXX a XXXX swing. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is inaccurately reporting on my credit report : 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 2021-09-14
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX I entered a settlement agreement with Navy Federal Credit Union to settle and a credit card debt that I owed in the mount of XXXX to settle a charged off credit card account. I recently applied to have a checking account opened with them and was denied due to a loss of roughly XXXX that Navy Federal took due to the settlement that they agreed upon. It was explained that I could pay the XXXX even though the account has paid and settled upon which is reflected in my credit reports. I am currently blocked from all products and services due to the XXXX loss, which was not explained to me at the time. I asked for my blockage to be sent to me in writing or if their by-laws state that this is correct and they could not because they have no literature that states that you will be blocked from future products and services if you settle an account with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
To whom may concern, I purchased a XXXX XXXX from XXXX in XXXX. My finance company was Santander Consumer USA. Santander repossessed my car. Santander Consumer USA approved me for financing in XX/XX/XXXX for a vehicle I purchased from XXXX. I had the vehicle from XX/XX/XXXX to XXXX of XXXX. Santander Consumer USA repossessed my vehicle without notice. When I contacted Santander, I was told that they were unable to verify my employment and that they could not verify the company in which I provided during the purchase of the vehicle. Santander USA never once tried to reach out to me to inquire about my employment. I never received a letter, phone call, message or call to my references. They just abruptly came and took my car from my home with out requesting proof of employment. My payments on my vehicle was current. As of today, Santander Consumer USA has placed this balance on my credit file as if I haven't been paying them. Do they really expect me to pay for a vehicle they chose to repossess when my payments were current and due to them not being able to verify my employment??? Santander Consumer USA has failed to provide me with documentation of their findings as to why they made the decision to take my car although the payments were getting made on time. Santander needs to remove this balance from credit file as I plan to seek legal action against them as they have unlawfully and illegally took my car when I was clearly paying for the car. I have provided you a screen shot of my credit report showing I had no late payments until they took my vehicle. I also am requesting where in my contract does it state my vehicle can be taken if they can't verify my employment. They are showing on my credit file that I've never made a payment which is false!!! This company is a horrible company to ever do business with.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, 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:
I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
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 monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: AL
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 is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: MS
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 received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$50.00}

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 2021-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with XXXX XXXX XXXX. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted 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 2021-06-03
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called today XX/XX/2021 to update my mailing address to start getting letters about the debt owed. I updated he address and made it clear I wanted to see it in writing. I was then read a legal verbiage script about a Hardship Relief program they have. The legal verbiage was read at super fast speed, and I understood nothing and made that clear to the representative XXXX. I asked hi to slow down and re-read and still I did not understand so I ended the call asking for the communications in mail. I called again because I wanted information on the Hardship relief its terms and conditions in writing along with the legal verbiage given to me by XXXX. Spoke with XXXX XXXX who completely ignored my request on purpose. I want the calls listened too as it obvious they broke the law bu denying me what I was requesting in writing. They are breaking the law and it make it difficult to deal with these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX. XXXX  : XXXX 2. XXXX ( Equifax : XXXX. XXXX : XXXX, XXXX : XXXX 3. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX.

Company response to consumer: Closed with non-monetary relief