BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID
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  XXXX   XXXX ,   XXXX  , I received a credit inquiry f rom Prestige Financial o n my consumer credit reports. I did not authorize this inquiry either directly with Prestige or through any other source. I sent them a certified letter which was received and signed for on  XXXX / XXXX /  XXXX  . I received a response from  Prestige da ted  XXXX   XXXX ,   XXXX   which stated they would not remove this inquiry despite being notified in writing this inquiry was not initiated or authorized by me either directly or through a third party. They have disregarded my concerns that someone has used my information without my consent and are fostering an environment that allows for identity theft by refusing to remove such items. T he Federal Law is very clear under the F air Credit Reporting Act and this inquiry being performed under false pretenses as described in the clear language of the law . 15 USC 1681n ( a ) ( 1 ) ( B ) state s, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.      Prestige is not able to provide any evidence such as a signed credit application or any credit application provided to them from any party that this inquiry was authorized by me. Therefore under Federal Law this inquiry must be removed immediately as it is causing my consumer credit report to be damaged since inquiries affect credit scoring systems. I am demanding this inquiry be removed as my first request was refused by Prestige.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: AZ
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 made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal XXXX and EQUIFAX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, XXXX  and EQUIFAX replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. 
The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/ I received a notification alert from my credit report that an item was placed for collections in the amount of XXXXdollars. The company listed is XXXX XXXX XXXX XXXX. I have not obtain any services via emergency room or urgent care. This company does not provide any contact information for reference. I have not received any mail notifications in regards to this collection before being placed on my consumer report nor have I received any information after it has been listed. I do not have any account information. I have attempted to dispute this account with the consumer agencies but all claim the information was verified, yet I have not been provided any information on how to reach this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.

Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was taken in the end of 2013 due to job loss and non payment. I was never notified when the car was taken to auction and sold so I did not get the chance to reclaim it. 
Than the finance company then at a later date claimed a XXXX for the remaining balance in my name and now they are reporting it as a new open debt for the money that was already given to them based off of that XXXX that I was taxed on. They have also put that " debt '' on my credit from a recovery company so they are reporting the " debt '' twice showing more, different negative reporting on my account for the same debt. The company that sold me the vehicle also re structured my paperwork 3 times when I signed up for the car, causing my monthly payments to be more than I originally agreed to which is another reason I could n't make the payments. The payments were almost XXXX more than I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AL
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 two unrecognizable inquiries from XXXX XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CarMax, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I saw that my personal information was used to open a car loan at CarMax. And this account is over charged. This is not my account. I did not open this account or authorize this account. I do not have car loan with carmax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I had a dispute with a cellphone company due to bad service and cancelled the contract, then the cellphone company turned me over to a collection agency so I contacted a lawyer and he sent the debt collection agency a do not contact me letter but im still getting letter from the company. my lawyer says the company violated the law and owes me {$1000.00}.

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 2016-05-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank Of America keeps flagging my account for fraudulent activity. Recently I was able to access my online banking after months of not having access to it, a couple weeks went by fine then I they revoked access to me again. Everytime i try to use XXXX or make a bill payment they flag me and its ridiculous. They want me to go in to a financial center but I'm XXXX XXXX XXXX and I'm bed written and can't go around. I need to regain access to my online banking As soon as possible

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 2017-05-01
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: Their investigation did not fix an error on your report

Complaint:
To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I noticed some fraudulent activity on my credit report. I reached out to each company listed on my report to inform them that these accounts did not belong to me. I have gotten no cooperation from the credit bureaus in regards to this matter. In fact they erased my entire credit report and my score was a XXXX. I reached back out to the bureaus and I was instructed to submit a picture of my id and my ss card in which I did however these accounts have not been removed. XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX. I am asking for your assistance with getting these negative items deleted.

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 2022-04-22
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle from an online retailer named XXXX on XX/XX/2022 and financed it through XXXX XXXX XXXX by Chase. It has been 10+ weeks and I have yet to receive my vehicle registration. When I call the customer service line at XXXX I get told someone will call or email me in 2 business days. No one ever calls or emails. The customer service folks are clueless as to what is going on. I have repeatedly asked for a supervisor or anyone that can actually help and each time the representatives tell me they can not transfer me to anyone else. The temporary plates that came with the vehicle are expired and I can not get anyone to answer me regarding my actual registration, vehicle title and permanent plates.The XXXX  DMV has not received any documents from XXXX and they have confirmed they do not have a backlog on registrations. 

I have called XXXX repeatedly and sent over XXXX emails to the representatives with zero resolution. 

I now have a $ XXXX vehicle loan in my name and a vehicle that is registered to no one. I can not drive an unregistered vehicle. Im stuck with {$660.00} a month payment for a vehicle that isnt titled or registered to anyone. XXXX along with XXXX XXXX XXXX by Chase refuse to advise why the vehicle is not registered and/or where the title is. I believe XXXX + XXXX XXXX XXXX by chase deceived me into a financing agreement for a vehicle that they do not have the title for and were not legally able to sell/finance to me. they are offering no resolution for the issue and my repeated requests for their assistance have gone uinanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX Company # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXXXXXX # XXXX has violated my rights XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report.     I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent  XXXX   XXXX   XXXX  debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing.     The amount on my credit report states its for {$490.00}.     I have NEVER had an account with  XXXX   XXXX   XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report.     My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MN
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 XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need you to please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/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 If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.

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 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Went through the process of attaining a credit card and was denied for no reason. With no explanation.

UCC 1-308 Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation