BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022, I sent a validation letter to Portfolio Recovery Associates , LLC to validate the collection. Instead, they placed my information on my credit report. I called XXXX XXXX to see if I can obtain my original contract, but they told me that they have sold everything to Portfolio Recovery Associates , LLC. The information that the XXXX  XXXX agent gave me on the amount of the debt is different from Portfolio Recovery Associates , LLC. So was the date that it first open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX filed a motion and received a judgment for debt that was not mine. Debt in question was incurred by ex spouse long after divorce was finalized. Total of {$910.00} was garnished from my wages through employer. This debt shows as " resolved '' on their end, but only because the debt was satisfied, but because the garnished the wages from the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I leased a car through XXXX on XX/XX/XXXX. Since that date, I have been in Contact with Santander, which is the company I leased the car through. Due to my contract being null and void, I have tried contacting Santander through mail and stating that under law 15 usc 1605 ( 5 ) I the consumer was supposed to be provided premium insurance, but was asked to provide and show proof of my own insurance. This is illegal because I had a finance charge of XXXX. I also stated that due to law 15usc ( c ) I the consumer would like to cease and desist the alleged debt. When I received no response, I asked that the debt collector provide verification of this debt which is law 15usc 1692g. I sent this on XX/XX/XXXX and have not received a response. Instead my vehicle was repossessed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have a CD that matured as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the banks involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The banks involved included : XXXX, maturity date : XX/XX/XXXX - {$2500.00} XXXX XXXX, maturity date XX/XX/XXXX - {$2700.00} I have official copies of everything. Thank you for your help. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.

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 2023-03-13
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; EDUCATIONAL Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 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 2022-10-25
Company: EQUIFAX, 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 sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was tricked into sending money using Zelle. Two different amounts to two different accounts. Probably wouldve kept going if I didnt finally figure it out. The amounts were {$200.00} and then {$250.00}. It all happened the evening of Sunday, XX/XX/2022. I immediately called my credit Union ( XXXX XXXX ), and was only able to leave a voicemail. The next morning ( XX/XX/XXXX ) I went directly into my local branch to report the scam. I provided screenshots of the conversation with the thief, and the email exchange I had with the fake Zelle agent ( s ). Basically the scam went like this : I was selling an item on XXXX XXXX. An interested party inquired about it, and wanted to immediately send me money for it. I was selling my item for {$240.00}. I then received an email that looked like it was from a Zelle agent, saying that someone was trying to send me {$240.00} but that I was not allowed to receive more than {$200.00} without a business account. So in order to upgrade my account to a business account, I had to send the Zelle agent {$200.00}. I did that and then there was some kind of refundable deposit I needed to fund my new business account. Yes I feel dumb now, but he got me to send another {$250.00}. And since the total of the second fee he was trying to get me to pay was {$500.00} ( {$250.00} that night and {$250.00} the next morning ). I started getting suspicious. I then XXXX zelle sending limits, and saw {$500.00} not {$200.00}. Also the XXXX XXXX of the person was somewhere in XXXX. Anyway, I reported to my credit union promptly, and reported it to Zelle on their website. Havent reported it to the FBI cyber crimes site yet, although I tried once, but the site wasnt working. Is there any way to get my money back or track these thieves down? My bank just said the other party denied my claims for the 2 amounts. So now Im coming here for help. Please let me know if you need my screen shots and the fraudulent Zelle agent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Carvana Group, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a vehicle from Carvana kept getting back-and-forth different information from different sales representatives about the purchase of the vehicle in the process of all of that they sent me the title to the vehicle now they want me to return it they are in multiple violations of UCC code also violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
Requested student loan payment refund for the payments I made between XX/XX/XXXX to XX/XX/XXXX. Request first made over the phone on XX/XX/XXXX, but Aidvantage didn't actually submit my request until I called on XX/XX/XXXX. At the time I was given an estimated eta of up to 6 weeks until I will receive the refund. As of XX/XX/XXXX, Aidvantage has yet to even update my loan balance on their site, let along forwarding my balance to FSA.gov. I was further notified that the processing time is now up to 12 weeks. The loan was transferred from XXXX and all payments were made while the loans were still serviced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: FL
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:
According to my report there are many collection accounts that are displaying an illegal balance. Additionally, many accounts are outdated or incorrect. I requested an investigation or to validate accounts. They only deleted one account out of man, within 30 days. Lastly, one account is only being reported for two bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: AR
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:
On or about XX/XX/2022 I sent letters to EQUIFAX describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: GOLDMAN SACHS BANK USA
State: NV
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:
Back in XXXX of XXXX, I received a phone call from a collections agency and they told me that I owed XXXX XXXX XXXX {$46000.00}. They tried to get me to disclose my method of payment over the phone for the amount owed. I had no clue on what they were talking about and wasn't sure if it was a scammer trying to take money from me. After speaking to the agent for quite some time, I quickly realized that the XXXX XXXX released {$50000.00} to someone identifying themselves as being me. Still unconvinced, I ended up signing up for XXXX ( that my wife previously added me to but I never received the email invite ), and I saw that my credit score went from being an XXXX down to a XXXX. To my disbelief, I also ended up seeing other loans that were taken out around the same time, {$40000.00} from XXXX XXXX XXXX, and {$26000.00} ( 3 different loans- {$4000.00}, {$2500.00}, {$20000.00} ). From that day forward, the debt collection calls started coming in by the volumes. I did get ahold of XXXX and they walked me through the dispute process against all of these accounts. I also submitted for a credit freeze for a year with all three credit bureaus. If you look at my credit reports for the past 26 years, you can see that I have always been responsible with my finances. I have plenty of loans that I've taken out and every single one has an excellent pay back history. I understand that these loans were taken out during/after the pandemic/recession times, but I never took a paycheck cut or anything to even need any funding of any type. My credit utilization is 0 % with 0 credit cards and one military charge card. It's not fair to me to have to suffer the wrongdoings of another person, and on top that, when I would request information on the full application to include the identity validation ( verification phone call ), they can't give me supporting evidence. The representative at XXXX told me she couldn't even find me in the system after with my SSN or address. I think that if they had followed a strict process prior to disbursing funds, then this could've all been avoided. Fast forward from XX/XX/XXXX to XX/XX/XXXX, I received notification that XXXX chose to sue me for the amount owed knowing that I was a victim of identity fraud. To make matter worse, the lawsuit paperwork was drafted in XXXX and by the time I received it, my 21 day deadline to respond was already busted. Since these events, I have a 7-yr credit freeze on all the credit bureaus, I've filled out the Identity Theft Report through the FTC and police, and now am waiting for my identity theft passport application to come back from the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AES/PHEAA
State: IL
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: KS
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:
Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX transferred to, XXXX XXXX account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Account information incorrect

Complaint:
Every-time I tried contacting trans-union can't login into my account it says can't find my information. I can't get in touch with customer service, I got my credit report XXXX is reporting interest on student loanTo ensure a smooth transition to repayment and prevent unnecessary defaults, the XXXX XXXX will extend the pause a final time through XX/XX/2022, with payments resuming in January 2023.9 Interest Yet Transunion has XXXX reporting interest in my student loans.

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 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
15 USC1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

Company response to consumer: Closed with explanation