BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: CarFinance Capital LLC, Irvine, CA Branch
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I went and checked my credit scores using XXXX. There was a auto loan refinance prequalification page to see what better rates I could get. I filled mostly the information about the vehicle and continued. I was not able to get any estimates on the vehicle as they were having technical difficulties. After closing out of the website I noticed a hard pull alert on my credit profile from " CarFinance ''. I never applied for any of the companies they recommended which is why I'm sending this complaint. I did not give this company my full social security number, Written or Electronic authorization to pull my credit report, nor was I aware of a hard pull during the process. This was only to be a pre qualification which is suppose to be a soft pull at best. I've gone through other credit reporting prequalifications before and I've never had a hard pull initiated.

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 2022-08-26
Company: ADP Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, Complain # XXXX regarding Santander doesn't make the fund avaliable in the XXXX after it was transferred. 

After the bank stopped the pactice now it is back doing the same. 

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 2022-07-17
Company: General Motors Financial Company, 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:
The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; XXXX XXXX  XX/XX/2021, GMfinancial XX/XX/2021, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: NV
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 disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed the collection account from XXXX XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed all the way back in the XX/XX/XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX  date breach. Please resolve this in a timely matter. I will be attaching my original disputes.

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 2023-08-21
Company: EQUIFAX, INC.
State: CT
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 carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical balance that was paid in full XX/XX/2020. RMP services opened a negative hit on my credit report for {$100.00} on XX/XX/2020 for debt to my doctors office. A balance I have no record of? I have reached out to my doctors office and no one has gotten back to me. I am very upset because I have excellent credit and we are looking to refinance and I now have this nose dive in my score for a debt I have no idea about. 

1. RMP Services has never mailed me anything, called me or tried to contact me in anyway to collect this, I only know about it because the mortgage company ran my credit! 

2. My doctors office has never called me about an outstanding balance! 

3. If I do owe {$100.00} for healthcare services ... how can healthcare debt of any sort go on my credit report? I believe that is unlawful. 

4. RMP Services is impossible to contact, they have terrible reviews they certainly do not seem like a quality ethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Services is committing fraud to their investors. They are purposely making it impossible to complete the short sale process so they can collect servicing fees. 
This is a follow up of Complaint XXXX and XXXX. 
They are purposely making in 100 % impossible to complete a short sale on a property by creating a process that can never be completed. I have called them over 50 times and they fabricate lies and make up requirements daily on needed documents. Someone needs to investigate this company for fraud. They are purposing making it 100 % impossible. They will review the file and ask for the same document 4 and 5 times. We are not talking about any updated documents, the exact same document 4 and 5 times. They claim one moment to have everything and then they claim they are missing a document you have sent them 5 times. Then they will come back and say " well we just got all the documents so we need time to review. '' They constantly go in circles and they do this 100 % on purpose so they can stall or kill the deal in order to keep receiving servicing fees. I am a XXXX, I am highly educated and not a stupid person. This company is committing fraud on their investors. 
Todays example : After 45 days of repeated stall tactics They told me on the XX/XX/XXXX they had every document. I have called them every business day since XX/XX/XXXX and they have told me they need time to review. Today XX/XX/2018 I called and asked for a supervisor and their ombudsman named XXXX XXXX. She told me today after waiting 2 weeks that they need the listing agent ( me ) broker opinion of value. I told Mrs XXXX that I have supplied this document 5 times. Yes 5 times. This is exactly what I have been filing complaints to the CFPB. She then open the file and says, " oh here it is '' and proceeds to tell me it will now take 72 hours to confirm they have the document at the short sale department. 
They are doing all of this on purpose. They are defrauding their investors because they want to collect servicing fees and don't care if the deal closes. Their only motive it to make sure no one can close a short sale. It is imposable. I have been working on this since XX/XX/2018. They are committing fraud. Please investigate this company. I have submitted similar complaints to the Federal Reserve. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BARCLAYS BANK DELAWARE
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:
My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 
Please help me resolve this issues 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 2022-08-26
Company: Albert Corporation
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was using Albert : banking on you. They started a savings thing in the account without informing me and took money out of my normal checking account without me even wanting to start the savings and now Im fighting with them to put the money back in my account they say the money is mine but wont put it back in my account. Been fighting for two days for it too be back in my checking account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile payroll check deposit on XX/XX/2022 at XXXX XXXX. This is the same time and deposit from my employer I make every two weeks and have for quite some time. Chime changed their policy on hold period for mobile check deposits on XX/XX/XXXX and did not provide prior written notice to me in regards to this change. I made an inquiry XX/XX/2022 to Chime through their support system. I was told in initially it was to make sure the check didn't bounce. I verified with my employer and the check cleared the bank, XXXX XXXX, on XX/XX/2022 and funds were released to Chime the same day. I inquired again through their support system and never received a response. I called on XX/XX/2022 to their support line, and was lied to, again, and told that it was to wait for the issuing bank to release the funds. I requested that Chime void the deposit and allow me to have my funds so that I could find another bank that could handle payment processing and communicating with its customers about account changes. I was told that they could not release the funds to me and I was required to wait five business days.

I received the funds after five business days, requested to close my account and received a communication stating that they had decided to close my account, and also a notice ( after the fact ) of a change in mobile check deposit policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018 I had approximately 20 fraudulent charges made to my credit card for XXXX XXXX. While Citibank coded the majority of the charges as fraud and reversed them, there were several charges that they miscoded as a billing dispute. This gave the fraudsters a loop hole to try to claim I authorized the charges. I did not. I finally contacted the XXXX XXXX XXXX and Federal Trade Commission to file a complaint against Citibank at this time they reversed all charges. 

On XX/XX/2018 I received a letter stating that the charges for two XXXX were reinstated even though I reported it as fraud. The XXXX  company I suspect must work with the people who fraudulently used my credit card because they created documentation. 

I am XXXX years old and I am a victim of fraud. My credit card company made an error with coding it as a billing dispute instead of fraud and now they are trying to make me pay for the fraud. There are two charges for {$100.00}. 

Please advise who else will work with seniors since I am being victimized and they are not abiding by the affidavit that I signed stating it was fraud. They suggested I contact the merchant that I have no idea how to get in touch with a business that I never did business with. 

I will continue to fight the charges.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian showing disputes with revolving accts for XXXX and XXXX NO SUCH DISPUTES HAVE BEEN INITIATED!!!!!!!!!!!!!!!!!! 

THIS APPEARS TO BE PART OF A LARGER PATTERN OF OBFUSCATION IN AN ATTEMPT TO REFUSE TO COOPERATE WITH AN ONGOING REAL CFPD INVESTIGATION OF INTERNAL EXPERIAN CALCULATION PROCEDURES CAUSING FALSE REPORTING OF REVOLVING CREDIT UTILIZATION RATIOS

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 2018-12-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job a year ago and also fell ill, i could not make payments so home went into foreclosure. VA felt my illness was just bad health, i was getting worse and they wanted to hospitalize me but i refused, last visit i mention this to my new provider and he noticed something so he prescribed antibiotics. It turns out i had an XXXX that was causing the XXXX  XXXX XXXX, XXXX XXXX, XXXX problems, etc. During this illness i files for chapter XXXX but was dismissed due to filling out income incorrectly, i filed pro se and was not able to find legal assistance. I corrected the forms and refiled but was denied because i did not pay for the first filing, even though i had no income. 
My foreclosure sale was scheduled for the XX/XX/XXXX and my only hope was to file chapter XXXX, but i had to pay for all filings which was ~XXXX. I had just started working part time since i was recovering. 

i filed on XX/XX/2018, well in advance of the foreclosure sale in 6 days. I calles wells fargo on the XX/XX/XXXX to work on a payment plan and was told sale went through but notation on account stated they were going to rescind sale. It turns out foreclosure trustee denied to reverse the sale because this was the 3 bankruptcy but there was a stay in effect and a chapter XXXX is treated differently than a chapter XXXX.Foreclosure trustee is supposed to be a neutral participant and this was clearly not the case. Wells fargo is the servicer not the lender, i dont believe they had the right to foreclose on my house.

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 2023-08-21
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief