BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from a call center to inform me to call a different number because a civil litigation was about to filed against me. They gave me a reference #. They claimed to be with XXXX XXXX XXXX, they also called me by my maiden name that was changed 13 years ago, so I knew it was for something old. I XXXX the attorney and called. Per the lady I spoke to she had been getting similar calls to her office and that it was most likely a scam. Received another call about a week later. I called the XXXX # that he gave me this time and they claim I need to pay an outstanding debt from over 15 years ago and due to a tolling agreement they can still file suit. They claim to have sent me a demand letter in XXXX. I asked them to email it. The email I received claims I owe a bank for overdraft fees over {$2100.00}. The letter appears to be very generic. Claiming to file a suit against me if I dont pay in full in 30 days. No way this debt is valid, it was never on my credit report and {$2100.00} in overdraft fees is just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EMCC Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. The account also can not be verified. I have requested verification more than once and received nothing. My information was sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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 status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX, XXXX Balance-

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 2022-02-09
Company: EQUIFAX, INC.
State: OH
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 am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EQUIFAX furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
Over the years I 've worked hard to build up an excellent credit history. Unfortunately I 'm one of the 143 million people affected by Equifax 's security breach that was made public in XXXX 2017. It is beyond infuriating that a company with so much private and sensitive information about you can put your finance wellbeing in jeopardy. 

I put a temporary fraud alert on my credit report, but who knows what 'll happen after that. To add insult to injury they then offered " free credit reporting, '' but only if you agreed to binding arbitration that would effectively prevent you from suing them. 

I also read that several Equifax executives cashed out stocks just prior to the announcement, anticipating that the company 's stock would take a hit. If that 's true, I hope the CFPB/SEC throws the book at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-07-31
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please see CFPB complaint XXXX which has been closed and still unresolved with Ditech. The letter that you received from Ditech is a total lie. I have received NOTHING from Ditech except 2 certified collection letters on XX/XX/2019 and 2 of the same in direct mail threatening foreclosure. They HAVE NOT posted my {$15000.00} as a payoff and still show that I owe over {$12000.00} as a balance on the account with them. They have stolen from me for 19 years including collecting mobile home insurance payments that they did not forward to my insurance company and that I again had to come out of pocket to pay to keep my insurance from lapsing. I have my payment history from my insurance company and DItech showing that they collected ins. payments for a year and 4  months and did not pay my insurance with it. The title that they sent to you IS NOT released and these papers that they sent to you are JUST COPIES of my original contract and NOTHING more. They refuse to talk to me and have NEVER tried to to the right thing regarding this settlement agreement. THEY STILL are fraudulent pulling the wool over your eyes as they have always done to me and many many others customers who are filing suit against them as well. The whole company is nothing more then a bunch of crooks who has stolen my life savings from me this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
as you know in my other complaints that i XXXX XXXX sent out two payments a month to my bill pay recipients. fifth third was paid several extra payments. when i asked for a refund they paid me TWO payments. i assumed they were keeping a payment for this month but this month they are calling me incessantly about my mortgage not being paid. when i call them they cant find where the money went as usual for fifth third. i still never got my {$800.00} back when my payment was re-evaluated. no answer to where that went and no credit anywhere for {$800.00} either. i am also contacting XXXX XXXX about this matter. i want my money back. the {$800.00} and also the excess mortgage payments that just disappeared into thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I am a customer with BofA I have a problem with their misleading policy on joint accounts which from my definition of it A joint account is a type of bank account that allows more than one person to own and manage it. There is no restriction regarding who can be an owner, which can include spouses, friends and business partners, among others. Everyone named on the account has equal access to funds, regardless of who deposited the money. The problem started when I gave my log in information to my relatives who lives with me that has their name on my accounts then BofA told me I should not giving out my information about my online banking even though they are joint with me with means from their definition When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service. And I got very rude representatives saying that is illegal to give my verbal consent to my online access even though my relatives are using my account to transfer money to their accounts and checking their balance without restrictions.

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 2017-09-09
Company: EQUIFAX, INC.
State: DC
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:
Personal data was exposed in data breach. Equifax has left my family in I vulnerable for the rest of our lives. Something needs to be done to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a demand letter from XXXX XXXX on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that XXXX XXXX and XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Regional Finance SC. I have not received any goods or services from XXXX XXXX, XXXX XXXX XXXX, nor Regional Finance SC and I do not know how XXXX XXXX, XXXX XXXX XXXX, or Regional Finance SC received my private information. XXXX XXXX and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that XXXX XXXX and XXXX XXXX XXXX may or may not have with Regional Finance SC. I am not responsible for XXXX XXXX and XXXX XXXX XXXX purchase / transfer from Regional Finance SC. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance SC. 
Please be advised that XXXX XXXX, XXXX XXXX XXXX, and Regional Finance SC will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : XXXX XXXX, XXXX XXXX XXXX or Regional Finance SC are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX have reached out to Equifax Credit several times asking them for access to my credit score and report. Equifax has put in tickets to fix this issue but Im still unable to get a updated score which is a code of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: WELLS FARGO & COMPANY
State: NY
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) 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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
ACCOUNT NUMBER # XXXX CAPITAL ONE AUTO FINANCE My name is XXXX XXXX XXXX, and my account number is XXXX. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always I have financed XXXX XXXX XXXX ( XXXX XXXX ) with Capital One Auto Finance on XX/XX/XXXX, however I did turn the car back into the dealership in exchange for XXXX XXXX XXXX with the same dealership on XX/XX/XXXX. 
My credit report shows a late payment for XX/XX/XXXX, which is not accurate, because I turned the car in before my payment day, which means on XX/XX/XXXX I no longer was the owner of the car, and I leased a new car with the same dealership and made a payment for the new car. PLEASE SEE EVIDENCE ATTACHED! MY DUE DATE WAS 21 DAYS AFTER I ALREADY TRADED THE CAR!!!! I DID NOT RECEIVE ANY MAIL EMAIL OR PHONE CALL REGARDING THAT PAYMENT!!!! 

I have tried to contact customer service, by phone email and mail!! I have been told that it didnt show update in the system until mid XX/XX/XXXX, which makes it the dealership fault on not reporting in on time! The dealership where I got the car from is no longer in business and I cant contact them regarding this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.

Company response to consumer: Closed with explanation