BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not 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 2016-07-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was fraudulently enrolled in a debt protection program XX/XX/2008. It took 4 months to get a response on proof of enrollment. The letter states I was enrolled by telephone which is not factual. No such conversation took place.

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 2022-08-28
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:
I entered into a consumer transaction with XXXX Bank XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXXXXXX XXXX They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}. 
4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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 received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX XXXX {$510.00} XXXX/XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company

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 2020-05-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
How dare my bank has a horrible way of processing disputes and fraud claims they clearly dont want to do their jobs and investigate and get me my money back today I received a letter from them they gave me a provisional credit they want to reverse the credit and close my claim saying they want me to contact the merchant unbelievable what type of bank is this that doesnt handle fraud seriously they dont care about my money shameful they make the customer do the work for them Im very upset with them they lie and says zero fraud liability but when you call to report it they file a dispute and then always reverse their credit and charge me the customer so I have to pay go fraud charged because they refuse to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was a victim of Fraud. My mortgage payment comes out automatically from this account. I called the mortgage company Newrez and they assured me the payment had already been made and would not accept pmt. The money did not come out of the account. By XX/XX/XXXX the money still did not come out. I called again and attempted to pay the pmt. they said again they were paid and gave me ref numbers. I finally got it straightened out. But they would not update my account correctly with the new draft number. Now they charged me a fee and will not reverse it. I have provided the the new draft number 3 times! They are at fault also for continuing to insist it was paid and not accepting my payment. I bet they make a ton of money from fraudulent fees. Plus all 5 times I called, it took over an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Lender advised us to do a spousal consolidation loan. We do not qualify for any type of forgiveness due to the spousal consolidation. We both work in XXXX and are unable to qualify for the XXXX  forgiveness as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Empire Resolutions Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: AMERICAN HONDA FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from Honda Financial. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX Honda and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at noon on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX Honda that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by Honda Financial on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.

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 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus XXXX, XXXX, and Transunion with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX  XXXX account as accurate and arent removing the fraudulent inquiries

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 2020-01-12
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had three transactions post on my account that I did not make on XX/XX/2019. One of  them a large amount- {$98.00} for gas. I did not lend my card to anyone, nor was it out of my possession. At that time this happened, I was at work and the gas station in question is in another county. The bank had originally told me to prove I was not in the neighborhood of this gas station by retrieving records from my phone service provider. Then another rep told me that wouldnt be sufficient either. They stated fraud never happens with a chip card. I am appalled that they would side with the thugs that stole my card information versus their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking to buy a ticket for a concert as it had sold out on XXXX. A user ( XXXX ) reached out to me on XXXX about selling me their ticket. I was apprehensive but agreed to pay {$20.00} of the {$30.00} prior to recieving the ticket and the remaining {$10.00} after. I sent the money to their Zelle email ( XXXX ). They responded with a very clearly manufactured screenshot that claimed that the amount had been refunded to me due to an error. The user asked me to send the amount again. At that point, I challenged the fraudulence, and they stopped replying. I've already reported them to XXXX. I went on XXXX  XXXX XXXX to dispute the charge, but the bank claimed that no charges on my account were eligible. I tried calling next but I couldn't even get ahold of a real agent ( stuck with the automated machine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Clarity Services
State: TX
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:
Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter three times on the following dates : XX/XX/2022, XX/XX/2022 and XX/XX/2022 and each time this company has failed to validate the debt. They have refused my rights in knowing the adequate validation requirement and have included numerous falsified statements within each letter response. Instead, this company sent a list of my medical records in which I know is a direct violation of HIPPA regulations. I never signed a HIPPA authorization form permitting this company to have access to my personal medical files.

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 2020-01-15
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and saw LVNV LLC has been reporting a collection since XX/XX/2019. I disputed this and requested debt validation, as nothing I have should be in collections. They ( the credit bureaus ) just sent me an email stating the debt was verified. Im not sure what they verified as they didnt share anything else with me as far as the method of verification. I was never contacted by the LVNV before placing this debt on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open XX/XX/2015 and reported as an unpaid medical {$130.00} I have no contact information I would like to know what services I had to accrue this amount of {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried disputing on XX/XX/2020. 
I've never done any business with them. 
I don't owe these companies. 
I've never signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit loan 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 explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out by letter and by phone to Experian to update personal information, on my credit file, so far they have not complied, the address they have listed are and out dated, and I fear my identity has been compromised because of it.

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 2022-08-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Its old debt and old late payments shouldnt matter

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