BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Santander Consumer USA Holdings Inc.
State: MS
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:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: AVANTE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As per complaint XXXX, whoever it was that responded stated they would send me a validation/verification of debt and to date have not. They also stated they would remove the debt from my credit report. There are 2 charges on there for {$510.00} both from the same company ( Avante ) and for the same company ( XXXX XXXX XXXX ). Only one has been removed. I was told both would be and that has not happened. They split the charges to damage my credit instead of one single charge as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
I have disputed accounts and inaccuracies with TRANSUNION. I was under the impression they were allowed to do this legally, but the law states different. Pursuant to 1681 ( a ) ( 3 ), the role of furnishing credit information on my behalf was assumed by TRANSUNION. This is a direct violation of 1681b ( a ) ( 2 ) because my written consent was NEVER given to TRANSUNION. They have essentially been using my private information and sharing it without my consent which is a violation of my rights under the 1681 ( a ) ( 4 ). After once again disputing the inaccuracies, TRANSUNION has willfully disregarded my right for investigation for accuracy of these accounts.

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 2016-02-29
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right, I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business, especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that, because I was in a licensed office with a licensed agent, it NEVER occurred to me that I would be victimized like this. That 's wrong. Very wrong. It is CREDCO 's fault for not knowing that their customer has been out of business for 7 years. Now we are open to identity theft. I have a copy of the CREDCO report issued to XXXX XXXX MORTGAGE.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.

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 2022-04-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX  # XXXX ...., XXXX XXXX # XXXX ...XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX # XXXX ...XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: U.S. BANCORP
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got the loan in XXXX XXXX being paying for 3 plus year 's and they say i still owe over XXXX on car it's a XXXX XXXX XXXX I got the car from XXXX XXXX in XXXX iowa the company was closed down within 6 months of me getting the car the loan was thur credit acceptance I feel I am being ripped out and taken advantage of on top of it I gave them XXXX down the guy 's name XXXX XXXX he's been arrested several times for fraud and is working for around car lot please help I am a single mom on XXXX I have XXXXXXXX XXXX XXXX XXXX and have XXXX every 2 week 's so I have other choice but to let them steal my money I get XXXX a month they take XXXX a month they already repo the once my family had to get it back for me so I didn't miss XXXX please help me

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 2016-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: MoneyLion Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Back in XX/XX/2021 someone obtained my personal information, applied for and received a loan with Moneylion through my XXXX  XXXX checking account. XXXX XXXX has since investigated and resolved the matter returning all money back to me. 
However Moneylion is impossible to contact and I have been trying for months to resolve this through the credit bureaus with no progress. It is starting to affect my Credit and anything you can do to help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.

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 2016-03-22
Company: QuickClick Loans of Illinois, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.

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 2022-09-08
Company: EQUIFAX, 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:
Equifax, XXXX XXXX and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen .. and XXXX have my affidavit on file but will not remove a closed that is not authorized by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
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:
Midwest Recovery Systems, third party collection agency, for an original debtor, XXXX XXXX XXXX  date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to XXXX XXXX back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to XXXX. I have called XXXX  and are of no assistance. Though I have the credit from XXXX, XXXX   and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter, disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
U.S.C. 1681b section 2 - XXXX  XXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, 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 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Poloniex wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Broker : XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Scammer. 

The funds were transferred utilizing Poloniexs services in the total amount of XXXX XXXX! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Poloniex. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is a law firm that serves as a debt collector and they filed a judgment against me and bank acct.garnishment for an old Dental bill from a dental school and never gave me any notice of garnishment. I'm unemployed and receive SSI payments for my XXXX grandchildren. My bank notified me after the money was taken. Also, I noticed on my credit report that this law firm requested my credit report on XX/XX/2019 to obtain information to be used against me for this judgment and garnishment and I was not notified of this by them that they obtained my personal, private information without consent to use against me in a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation