BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: TCF NATIONAL BANK
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reported the issue of identity theft and fraud on my credit report since XX/XX/2012. I have sent multiple letters to Trans Union, including my latest one that is being attached. 
What I receive in reply is platitudes but no positive actions. I can only now appreciate the nightmare of ID theft. 
My latest from Trans Union was my credit report with a credit score that was substantially higher than when the ID theft occurred. To my surprise when my broker pulled my credit score from Trans Union XXXX Risk Score Classic, it turned out that TransUnion did NOT update the information or lied to me. In effect they told me one story and another to their reporting agency. That makes them party to a fraud. Since you are a federal agency, can you rectify what appears to be fraudulent reporting by TransUnion.

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 2022-05-31
Company: Affirm Holdings, Inc
State: NY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from source receivables regarding a debt from 2020. I dont remember owning any XXXX and I request a debt validation. Attached is official dispute letter requesting documentation XXXX XXXX XXXX $ XXXX states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. 
XXXX ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made two one time payments with a company XXXX for {$25.00} each totaling {$50.00} the company XXXX then turned around and charge $ XXXX and $ XXXX a few days later I have gone back and forth with Chime my bank telling them this wasnt authorized and they refuse to give me my money back. They want supporting documents on a charge that I didnt authorize they didnt exactly give me a receipt for the charge since as I said it was not authorized. Ive rebutted the decision of which each time is denied about 5 minutes after submitting the request. So no actual investigation is happening into the matter. I need help and its appalling that I need to reach out to you so that MY bank gives me MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed out of {$3400.00} by a XXXX imposter! I reported it to Bank America and they denied my claim. I am XXXX yrs old and the scammer told me my bank acct had been breached and showed me where money had been taken from my account ( lie ) to get me to send a XXXX transaction to a third party,. I did not know what that was until it was too late, This happened on XX/XX/2022 by XXXX XXXX at XXXX XXXX. This is devastating to me as I am XXXX XXXX XXXX XXXX XXXX XXXX  only and all the savings I had. Please help me get my money back, please!

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 2016-01-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions 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:
There are 4 late payments showing on my credit report from XXXX on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; XXXX stated all late payments were to be removed. 2 years later and multiple disputes they will not remove 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 2017-08-24
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We keep getting voicemails from Bull City Financial for debt collections however we have no debt and have perfect credit. They leave robomessages and it is hard to get in touch with a person. I have looked into this company online and it is a scam. They either are calling the wrong number, or they try to collect mo that was already paid in full. They put stuff for other people on individuals credit reports. This company needs to be shut down or heavily regulated. This is not okay by any means for this to go on. Please do research and XXXX this company down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I received an email from Experian stating that they would block/remove items from my credit report if they received some documents from me. 

I have submitted those documents via USPS certified mail - my tracking number is 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, Credit Systems Inc. IN reported a collections account to XXXX. This account was a XXXX XXXX utility bill from Texas. I have never opened accounts or lived in Texas. Not this account is posted as being a collection account, destroying my credit. I have contacted XXXX and XXXX XXXX, reporting my stolen identity/social security #. 

XXXX XXXX XXXX XXXX {$540.00} Acct. : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Capio Partners, LLC
State: NJ
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/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, on XX/XX/2020, I pulled my updated credit report and found out a new collection on it with two different account numbers that I did not recognize, not knowing what to do, I searched on XXXX how and where I could do a complaint to accelerate the process of fixing this Issue that at this point I think is an issue with Identity Theft. The TWO accounts with ASSETCARELLC/CAPIOPART that are not mine and they are on my XXXX and XXXX credit report, alleged account # : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recieved a call from Freedom Mortgage on XX/XX/2019 at XXXX MST. I was on a break so I took the call, and they gave me a pitch about reducing my interest rate by 2.5 points and kept talking about how they have never seen anything like this and that it was so exciting. They even asked why I was not as excited as they were. They said it would be no cost to me and the costs would not be rolled into the loan. I decided to entertain the offer and was answering some questions. Throughout the call they kept saying how exciting this was and how they have NEVER seen this big of a reduction before. My break was almost over and we were not done with the questions. I let the caller know I had to get back to work and was asking for a callback when they straight interrupted me saying they only had a few more questions, and went straight into the next question. I was not happy. I told them I did not want to get in trouble so they would have to call me back, but then I said, " No, you know what? Take me off your list. You're being really pushy. '' Then I ended the call.

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 2019-11-26
Company: Nationwide Financial Group
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:
Im the victim of identity theft and I dont recognize the account Nationwide is reporting on my XXXX  and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A website call XXXX based in XXXX randomly charges my checking account ( some form of random recurring payments ) amounts ranging from {$20.00} to {$370.00} dating back to XX/XX/2019 where I thought through my bank we had removed these fraudulent charges. Then they began again in XXXX and XXXX totally over {$4000.00}. The most recent ones are just this lack week while I was traveling for work in XXXX and while my bank is working diligently it has been an ongoing problem I can not seem to remedy. I have contacted XXXX and they only say we have no record of you in our system for any services. Any help is greatly appreciated.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX 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

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