BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX contacted me to attempt to collect a debt for consumer phone service. I reported this as fraud, which XXXX XXXX refused to accept. After escalating with the FCC and other regulators, XXXX XXXX changed their opinion and confirmed, in writing, from their Executive Response team on XX/XX/2022 that the debt was indeed fraudulent, and I have " been absolved of all financial responsibility for this account. '' Despite these findings, XXXX XXXX transferred the fraudulent account to a collections agency who has since filed a collection on my credit report. I expect XXXX XXXX to accept responsibility for their actions and honor their commitment to address this situation as the fraud it is and direct their collections agency to fully remove this derogatory information from my credit report. XXXX XXXX File No. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
have a mortgage with XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, Illinois XXXX for a mortgage on a new XXXX XXXX model # XXXX vin # XXXX on XXXX XXXX, XXXX for {$65000.00} interest rate of 8 % for 15 years. XXXX pulled our credit on XXXX XXXX, XXXX then approved us for the mortgage and signed paper on XXXX/XXXX/XXXX for the mortgage but are not reporting to any of the ( XXXX ) credit bureas. I have called numerous times as a resolution and they said they are using a new system to pull credit. 
I have been dealing with this for over ( 8 ) long months. My husband and I have been denied credit due to insufficient credit history, this is hurting our credit vs helping. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX home phone # XXXX. 
we have reported to the credit bureau and XXXX XXXX XXXX XXXX will not respond so they keep reporting back to us as inclusive. 
Please help us. 
thank you the XXXX 's XXXX and XXXX I talked to XXXX at the call center Agent # XXXX on XXXX XXXX, XXXX At XXXX central time zone

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 2015-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: Account information incorrect

Complaint:
I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXXXX/XX/XXXX XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ALLY FINANCIAL 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:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Ally Financial, I have also reached out asking that they remove the inquiry from my credit profile.

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 2020-03-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Gateway One Lending & Finance sold vehicle loan to Santander Consumer USA on XX/XX/2020. The loan balance stated does not include XX/XX/2020 payment with a principle payment of ( XXXX ) interest ( XXXX ). Santander Consumer USA has populated a statement with the incorrect loan balance. 
{$22000.00} is reported. Aprox. {$22000.00} is the correct balance. 
I have contacted Santander Consumer USA on 3 occasions, and the accounting department has yet to fix the issue. The transaction history shows this payment, but is not deducted from the previous statement account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Experian in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Experian, I certified that XXXX had not responded to me within the required 30 days. Experian then ignored this documentary evidence and used the same false reporting from XXXX to " verify '' the false information in their XXXX/XXXX/XXXX report update. Experian failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Experian on the matter, the Experian staff member confirmed that Experian is using an electronic " update '' from XXXX as verification. I believe this is a violation of the FCRA because the " update '' from XXXX does not contain any documentary evidence that Experian has or can provide to me, but they are using that rather than my submission of documented evidence to them.

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 2022-10-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the fair credit reporting act, this creditor ( XXXX  ) violated my rights on XX/XX/2022. By using a collection company called, AMSHER COLLECTION SERVICES, to solicit {$290.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my credit reports. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX bank Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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

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 2016-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.

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: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I am writing to dispute the following information in my credit file. I recently received a copy of my credit report, and I noticed there is a few unauthorized credit inquiries made by the companies I'm not familiar with listed above. Based on true facts this is my 3rd complaint so far to Equifax regarding multiple errors, but I have not applied for any credit authorizing to the companies to view my credit report. The listed credit inquiries was made without my consent and authorization. Prior to your investigation, I'm requesting validation ( Matching addresses, names, phone numbers etc. ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Santander Consumer USA 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:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Santander Consumer USA ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was paid direct deposit. I can't be exact on amounts because later that day I was blocked. I was charged {$90.00} something dollars for i don't know what. No paperwork and no answer from NetSpend. Then my wallet was stolen and debit card used for overdraft, {$100.00} something dollars, then my account was blocked from even viewing my statement. I was to receive a refund from XXXX XXXX for XXXX XXXX  i never received and was told i would receive a check via mail. NetSpend says they never got it but I have the transaction report from under armor saying that they did. I'm out {$150.00} for whatever reason. I've requested statements and reasons but nothing but the generic response of we'll get back to you by such and such date but they haven't once. I needed that money then and even more so now. I live paycheck to paycheck and am unable to catch back up with the late fees im accruing for no reason.

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 2017-02-22
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
For the past few months, I have attempted to get a credit card through XXXX XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle from XXXX XXXX of XXXX, CT in the first week of XXXX 2015. They bought me out of my old lease [ an early termination ] and wrapped that {$1700.00} charge into my financing. As of XX/XX/2015 they literally just sent the check yesterday to Ally Bank. I have made a complaint with the Connecticut Dept.. of Banking because Ally is treating this debt as a total loss & damaging my credit report as a result. Ally sold the car and got alot of money for it and the total bill is less than [ by about {$100.00} ] what XXXX sen to them. This issue exists despite the fact that I sent certified letters to them -- one as early as two weeks ago -- with an email I received from XXXX XXXX that a check had been sent to them. There is a standing derogatory on my credit report now as a result of this situation and I am attempting to confirm with Ally via their managerial division for " total losses '' at voice number XXXX that this derogatory will be removed because Ally notified me yesterday that they had received the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I called Hunter warfield to ask if they would settle with me so i can closed the account. The debt is from rental property where my father and I reside, unfortunately we had to leave a two months early because we were upset with the management. When the property manager renewed our lease in XX/XX/XXXX, she accidentally left my dad who was the main income off the lease. I just had a baby and was nit working. Well when we left early, the rest of lease contract went on my credit and only mine. I have an XX/XX/XXXX child who is XXXX and anotherXX/XX/XXXX who is XXXX. I am not working cause of covid and virtual learning with my oldest but unfortunately my car choose to die on me. So I called hunter war field and asked them if they would settle? The gentleman said {$1000.00} but when I told him my situation he was willing to take $ XXXX {$700.00}. But he first said, we should try to dispute this since this should nit be just your responsibility and he would call me that Tuesday to let me know if it went through. No call. I left Vm after Vm then finally a man calls me telling me the rental property is saying my dad did not live there which was a lie by the property and if I can get receipts of checks he paid rent and any other evidence, that will help my dispute. So XX/XX/XXXX I emailed them everything I had. XX/XX/XXXX I received a call from a hunter warfield debt collector stating it does not matter what evidence I provide, I was the only person on lease therefore its my responsibility. He was very pushy and rude. He said I need to pay half of the debt which was {$790.00}. Unfortunately with XXXX and unfortunate circumstances I couldnt even do anything. He said they are offering this once and he can split two payments but it must be paid by XX/XX/XXXX. There was no way I could and I needed to talk to my dad and fianc first to see if possible but when I ask the man fir an hour, he wanted my debit card and they would arranged two payments. I said I cant afford {$790.00}. He was very pushy and kept trying to make feel like I had no choice and this was it for any help from them. He would not allow me an hour to speak to husband and dad a d kept going on and on that this was it for offers and I need to take responsibility. They are trying to help me but I am the one who contacted them first to settle. I finally got aggravated because he made feel threaten, I told him that I need to speak to a lawyer to know my rights. Abd he said well now you brought up lawyers, we are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX  , XXXX. is showing on my equifax credit report twice. The company has sent notifications for removal since XXXX to Equifax and it is still on my credit report. Attached is the response from XXXX XXXX  validating the submission for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX is trying to collect XXXX $ for a utility bill that belongs to the tenant that moved in my apartment unit after I vacated the premesis. I have provided written proof a lease and transfers paperwork for my new apartment. I last lived at that residence in 2010. This debt is over XXXX XXXX XXXX and is incorrectly being reported as recently 90 days delinquent. I currently have an account that is the original utility provider that has been current for the last 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have asked Transunion a number of times ( 4 ) to provide me with verification of documents for a Bankruptcy that they are listing on my credit report which I am unaware of. Per the FCRA they are to provide me with a signed document that contains my signature and they continue to reply with " the debt has been verified ''! In addition, they have not marked my credit report " disputed '' as I have disputed the item several times. I have n't been approved for loans because of this

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 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XXXX and XXXX, I made three payments to Capital One, 2 out of 3 times I utilized my newly established Capital One Saving Account. However, making the payments from Capital One Savings to Capital One Credit Card, took longer than four or five days. However on XX/XX/2020 an ACH was processed from Capital One to XXXX XXXX in the amount of {$900.00}. The funds were processed and transferred to Capital One before XXXX ( PST ), however when I contacted Capital One to inquiry about thier processing times, it was stated " processing occurs several times a day. '' However, for some reason, the balance was not updated. Today, XX/XX/2020, I noticed my balance {$0.00} and available balance {$99.00}. At the same time, I received a credit alert from XXXX Credit Bureau stating due to high balance, my credit score has decreased. Immediately, I contacted Capital One, and waited 1 hour 36 mins, to voice my concerns, however the Capital One customer service representative would not allow me to voice my concerns. Then, I requested to speak with a manager, XXXX was very patient, however repeated robotic company policies. therefore, I conference in XXXX XXXX, who verified the funds had left the account, then Capital One Supervisor XXXX provided the robotic answer, and would not allow any upper management to contact me. In addition, XXXX stated it will be seven days before the funds are released. Please do not do business with this company, because it is the Epitome of Dishonesty, Rude, Horrendous Customer Service, and Horrible Ethics/Policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: TX
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 am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XXXX to this date XXXX it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.

Company response to consumer: Closed with explanation