BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXX original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXXXXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal.

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 2018-02-21
Company: Social Finance, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX turnedmy account over to XXXX. I settled my account with XXXX  for XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Elder financial exploitation & credit card fraud from false charges on old/closed credit card account. CapitalOne is aware of this and refuses to address/investigate the fraud/false charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Chase has security policies and rules that are so strict they actually render their attempts at security less effective. I have 16 years of   XXXX   XXXX   and have 100s of passwords I need to know. The only way I can remember them all with out writing them down is to have a formula. Chase 's rules break my formula and actually they are the most restrictive rules I have ever seen which means several variations my formula that I commonly use do n't work. That means the only way I can remember my password with them is to write it down. Any beginner in   XXXX    knows that is the worst thing you can do.
<P/>
Once I got past the password fuss they asked me for my personal bank accounts username and password so that I could do an ACH transfer to them. In this day with companies getting hacked all the time Chase is doing their customers a huge disservice by asking for this. This is NOT something anyone should ever do. I have a wallet full of cards and accounts I make payments to by ACH. NO ONE has ever asked this from me. The only other option is to have several deposits made in to my bank account. The only one that has ever asked that is PayPal.
<P/>
The bottom line is Chase is not making their system more secure. Its making it less secure and harder to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G  Section  809 ( B ). Numer ous Attempts through the   XXXX   XXXX   XXXX   XXXX   were sent to SANTANDER CONSUMER  USA, INC and a response was never received. SANTANDER CONSUMER USA, INC  has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease.    SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times  a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to   validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Credit Card Receivables Fund Incorporated
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX sold debt to unifund ccr and has colluted with XXXX XXXX and still is reporting om my XXXX credit report this account is XXXX ols and transunion is blocking access for updates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX    XXXX  , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from   XXXX   XXXX   XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On  XXXX   XXXX    XXXX  , I sent them a letter stating I was not aware of having any account with their organization or with  XXXX   XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On  XXXX   XXXX    XXXX  , the company sent me a letter stating that they purchased this account from  XXXX   XXXX  and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at  XXXX   XXXX  they were dealing with who sold them this alleged debt, none of which were provided to me. On  XXXX   XXXX    XXXX  , an entry was made to my credit report under the title  LLV Funding  listed as a collection account. The entry was listed as disputed and verified under the FCRA. On  XXXX   XXXX    XXXX  , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: VA
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:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past XXXX years, the thieves have made my life a living nightmare. Performing 'normaXXXX ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with Regions Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 
Please delete any reference from Regions Bank Missouri Attached is a police report, social security card, drivers license, and completed ID theft affidavit. 
Please delete the disputed items from my credit report within four ( XXXX ) days as required by the Fair Credit Reporting Act copied here below for your reference : 605B. Block of information resulting from identity theft [ 15 U.S.C. 168c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as infor-mation that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt by such agency.

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 2017-04-25
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: Account status incorrect

Complaint:
My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: SC
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:
I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

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 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Western Union ( WU ) allowed for my information to be stolen and used online to transfer a vast amount of funds from my CC to a person located in XXXX, the first attempt was successful, the immediate second attempt was rejected by my bank. 

I disputed the transaction using the Chat system WU provides and was told by " XXXX  XXXX. '' that since the funds were already picked up, that there was probably nothing they could do about the incident. 

I was directed by the same person to place a fraud complain online at WU.com, when I did, I continuously received the message that the " MTCN Number '' was a duplicate thus not allowing for me to make the fraud report/complaint online. 

It is not the first time one of WU 's IT suppliers is hacked which causes much suffering on us victims. I have officially lost all of my faith and trust I had in Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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:
XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mines on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX written concent to collect a debt. I have not sign a document to pay XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to provide proof of written concent that I agree to paying XXXX information services. I have not given XXXX XXXX XXXX my social sercurity number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the XXXX XXXX XXXX. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.

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 2017-04-25
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Navient has  been reporting the wron g 1st date  of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from Navient to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from Navient should not even be on my credit repo rts. Na  vient has also been past the statute of limitations for NY ( 6 years ). For a long time Navient was  reporting the wrong history and balances of the accounts since day  one,  but that was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Toyota Financial Services is incorrectly reporting my account status as open and delinquent. I voluntarily surrendered this car in XX/XX/2015, and my last payment to them was in XX/XX/2015. This is confirmed by the attached. 

I dont own them anything ; and further, the credit agreement was governed by the State of New York and the statue of limitations for this was 6 years in New York XXXX so this is too old to be on my report. Its having a negative financial impact on my ability to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom  It May Co ncern, I have reason to believe th at Navient incorre ctly debited my checking account in the amount of {$190.00} on  XXXX   XXXX ,  XXXX . Upon entering my agreement to obtain federal assistance, I was specifically told that my grace period ended  XXXX   XXXX ,  XXXX . I was never notified that this date had changed to  XXXX   XXXX ,  XXXX  and on  XXXX   XXXX ,  XXXX  I received an email indicating that {$190.00} would be debited from my account later on that day. While I understand that mistakes happen, the fact that I was not given the proper notification for a change of circumstance on my account is deceptive and extremely unacceptable. When I contact ed Navient about this matter, the customer service representative that I spoke to indicated that it was my duty to  submit documentation evidencing my full-time status in order for my account to be credited back the {$190.00} that was taken. Placing the burden of investigation of a consumers complaint/inquiry is inconsistent with basic consumer protection law, and as a result, I would like to file a formal complaint against the loan servicing agency.

Company response to consumer: Closed with explanation