BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A group of people used my social security number to get services with XXXX XXXX XXXX XXXX, XXXX XXXX. The billing was linked to my home at XXXX XXXX XXXX. XXXX Tennessee XXXX. The FBI told me it was an inside job. The entire XXXX XXXX, XXXX XXXX & The XXXX Family. XXXX XXXX. Copies of my birth certificate was made, drivers license, social security card. My date of birth changed with XXXX, my former employers changed. Social Security wrote a query showing my employers from XX/XX/XXXX - XX/XX/XXXX. Tax returns have been filed using my information. The XXXX Family stole Government funds to pay you for your services through XXXX XXXX XXXX. Unemployment funds was being used. The FBI brought this to my attention. From XX/XX/XXXX-XX/XX/XXXX this theft occurred. My number in the home was ( XXXX ) XXXX. You turned my phone off, I was in my home 18 years. The XXXX stole my home. It goes on & on, they 've taken my identity. They are being allowed to continue to abuse companies services. The only way they will stop is you do n't provide them with any type of services.

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 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been fighting with B of A for years about this debt that was fraudulently made. I filed several complaints with CFPB and BofA was unable to find my account. Please see attached, yet this debt is still on all my reports and damaging my credit. BofA attempted to sue me and did not notify me of the lawsuit and the case was dismissed. I've contacted the creditor several times and they can not find my account information. THis needs to 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 explanation
Consumer complaint received 2017-09-21
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XXXX of XXXX. I have now received a collections notice from XXXX XXXX ( PO BOX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As XXXX the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency XXXX services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.

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 2019-11-17
Company: Consumer Portfolio Services, Inc.
State: AL
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:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio S, XXXX XXXX XXXX, XXXX, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANK OF THE WEST
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.

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 2020-11-27
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XXXX I leased a XXXX from XXXX XXXX in XXXX, Indiana. In XXXX I secured a new job in another state and moved. In XXXX of XXXX I secured a loan to purchase the XXXX that I was leasing. During the loan process Volkswagen mistakenly paid the sales taxes to the wrong state ( Indiana ). As a result, the bank was not able to register the car in the right state ( Pennsylvania ). The bank officer working on the loan and title transfer and myself have reached out to Volkswagen numerous times over the last 11 months and asked them to produce and send an affidavit verifying that the sales taxes were paid to the state of Indiana so that the car could be registered and have the title released and switched over to my name. To date Volkswagen  has not produced the affidavit, released the title or done anything that has resolved the issue. XXXX, the Volkswagen representative assigned to the case does not return phone calls to XXXX XXXX the loan officer. Because the car is unregistered and I do not have a garage to store it in where I live the car was recently impounded by the police and collects fees everyday. It will be auctioned and I will have to pay the loan payments for the car regardless of if it is sold at auction. The police department will not release the car without proof of registration and the bank can not register the car without the title or the affidavit. I am at my wits end and do not know what to do to resolve this issue. 

Desired Outcome Volkswagen must produce and send an affidavit verifying it paid taxes to the state of Indiana to the bank loan officer, release the title so the car can be registered, pay the impoundment and towing fees and correct any problems associated with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I did not authorize nor consent the following inquires being furnished on my consumer report .see attached

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 2020-10-19
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX/XX/XX/XXXXof this year ( XX/XX/2020), I had received a call to my place of employment by Navient. They had called my office, spoke with a coworker who then provided them with my direct line and transferred the call to me. I was unable to answer, so the call went to voicemail. I had called Navient shortly after and explicitly told them to not call my place of employment. I had informed them I am not able to take personal calls at work and could get in trouble I requested they remove my work phone number and to not call. 

Today, XX/XX/XXXX, at XXXX, Navient rep XXXX XXXX, called my place of employment after I have already explicitly requested they do not. They were then transferred to my line where she did not leave a message but instead immediately called my

line a 2nd time a few seconds after. It was during this 2nd call that a voicemail was left. When I called Navient and spoke with XXXX I had informed her I had explicitly told them to not call my work phone number and after being advised not to do so they still did. She indirectly attempted to justify it. During the call, Ms XXXX had accused me of being a thief, made accusations of never intending to pay and when I had informed her of my intent to file a complaint, she then threatened to escalate the matter as a form of retaliation. Furthermore, during the call she lied about the FDCPA guidelines on the number of calls they are allowed to make.

Navient rep was in violation of FDCPA for contacting my place of employment after I have explicitly requested they not call, for providing false information regarding the purview of the FDCPA, making accusations that I had stolen money from them and then threatening to retaliate when advised of my intent to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
An identity theft report was send to the credit bureaus reporting a fraud account. They deleted the account then a couple days later it was added once again. Account XXXX XXXX XXXX ) its a different account number on XXXX ( XXXX ) if it's the same account and an investigation took place and you respo ded that everything was 100 % accurate and mine how is this possible. Not of the dates match last open, balances etc I have highlighted all marks in blue. I understand I have up to {$1000.00} per violation on my consumer report. According to the fair credit reporting act. Please delete account immediately as you are violating my rights. Everything reporting has to be 100 % accurate. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

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 2019-06-04
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I fell on hard times due to my mom being sick and I couldn't pay the loan. These people had a debt collecter call me on XX/XX/19 asking if I could pay XXXX of the loan when the loan is only XXXX. I told the debt collector that I could not pay XXXX and whatever solution they offered I couldn't pay today at all. The debt collector told me in a harsh tone that he could tell by the way that I was talking that I wouldn't pay at all and that I waived my rights and he hung up without even letting me speak. He also asked about my cousin and I asked him what did he want know about her for, because she has nothing to do with any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called from a company called Credit protection Association. The number that was called from XXXX. If this is not the person, I should call XXXX and it I am the person call 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 2020-11-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit systems and XXXX XXXX XXXX XXXX has put unpaid on my credit report and I have no knowledge of this account. It's been 10 months and I have mailed them letters and I have tried to get in contact with them and they still refuse to answer me. I know my right and according to my attorneys and the FCRA I have the right to file a class action lawsuit against this company for reselling to other creditors and falsifying documentation. Please help me get a response from this company and please help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Not sure they closed my account and my paycheck was frozen causing my other bills to be late. My check was finally deposited after 7 days

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 2018-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( 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 2020-10-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/XXXX To who it may concern, Transunion XXXX 

Please see late payment attached and inquiries. 
1.Depart of ED/XXXX  2. Depart of ED/XXXX  3.Depart of ED/XXXX  4.Depart of ED/XXXX Inquiries need to be removed. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Names ) has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2018-10-31
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For 5 years now I have paid on a Santander loan that never seems to lower they will not lower my payments they will not lower my interest rate I pay on time they report to the credit bureau that I'm paying late it's automatically taking out of my savings account every month my over 10 year old car is  costing me {$500.00} a month that I have paid for 5 years or more. They will not fix anything this is been going on for the past several years with too many phone calls and letters written to even count. It's destroyed my credit that otherwise would be fine as I have no derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My names are XXXX XXXX XXXX based in XXXX have an account with CHASE MANHATTAN BANK U.S checking account number : XXXX the Company handling my money have not reviewed the funds available in my account and not able to transfer my funds to XXXX to my local bank account. 

Please i request your good office to help me how to receive my money via XXXX because XXXX advised me that XXXX can not receiving country.According to foreign policy please help me to withdraw my money and be sent to my bank account in XXXX i have an account with XXXX XXXX XXXX In XXXX.My appeal is that as owner of this account i need authority to receive pass instruction to my banker to transfer funds to my Country, but i have no contact details for my Bank in U.S.Any correspondence is between Me and XXXX which i feel my rights is violated concerning my account. 

Thank you in advance for your favorable response into my appeal and hope that transparency will be exercised according to foreign protection.My Contact details : email XXXX Phone : XXXX

Company response to consumer: Closed with explanation