BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My eldest brother keeps receiving harassing text messages from a collections agency. His name is not on any loan with me nor does he have any knowledge of a loan but he has received three text messages. The most current one states : XXXX XXXX Collector : * blank*, you took an important step toward resolving this acct. Continue at *blank* To optout reply STOP He received it today XX/XX/22. He wouldnt have been authorized if I did have debt. He is being harassed by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 World Acceptance Corporation has replied to my complaints and stated that World has searched our records using the name and address provided, but we were unable to verify with certainty the specific account or account holder. This account is still hurting my credit and if you can't find or verify the debt as I asked previously, Please delete this account of my CONSUMER REPORT. I demand XXXX to removed this account off my CONSUMER REPORT. THIS ACCOUNT IS ONLY REPORTING ON MY XXXX AND NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
2 separate hard inquiries on my XXXX report. One from XXXX XXXX, and one from Nordstroms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I PLACE A BID FOR A CAR THRU XXXX  AND THE DEALER ACCEPTED MY OFFER FOR {$15000.00}. 
THE DEALER CALLED ME AND TOLD ME THAT HE ACCEPTED MY OFFER. 
THE DEALER NAME IS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX N.YORK XXXXAND HE SENT ME BY E.MAIL A BILL OF SALE FOR {$15000.00}, AND I HAD TO DEPOSIT {$3000.00} AND TAKE A LOAN THRU THE DEALER FOR {$12000.00}. 
ON XX/XX/2022 I WIRED THE {$3000.00} XXXX XXXX XXXX XXXX. 
ON XXXX/2022/ I RECEIVED BY E.MAIL A LOAN FOR {$22000.00} FROM WESTLAKE FINANCIAL WITH MY SIGNATURE FORGED ELECTRONICALY, I NEVER SIGNED FOR THAT LOAN, THE LOAN WAS FORGED BY THE DEALER IN N.YORK WITHOUT MY PERMISSION. 
THE DEALER DOES NOT RETURN MY CALLS. 
I CALLED THE BANK ON XXXX/XXXX/2022, THE SAME DAY THAT I RECEIVED THE E. MAIL AND TOLD THAT IT WAS NOT MY SIGNATURE, I E. MAILED THEM ALL MY PAPER WORK AND THEY IGNOR EVERYTHING. 
ON XXXX2022 THE DEALER CALLED WESTLAKE FINANCIAL AND TRIED TO MAKE A PAYMENT ON MY BEHALF, I CANCELLED THE PAYMENY. 
I AM NOT PAYING FOR A LOAN THAT I DID NOT APPLY FOR. 
I NEED YOUR HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
It has come to my understanding that through multiple phone calls with Hunt & Henriques whom are representing XXXX XXXX XXXX XXXX XXXX XXXX ) that they have used deceptive, false and misleading practices towards me. They have misrepresented themselves as representing the original creditor, XXXX. When they reference the alleged amount that I owe, on more than one occasion, they referred to the account as " better known as '' or " also known as '' or " " you may know this as '' your XXXX XXXX. '' Hunt & Henriques contacted me initially on behalf of their client XXXX XXXX, so I've come to understand. Their client is not XXXX. XXXX XXXX bought the debt from XXXX. By saying " better know as '', Hunt and Henriques misled me into believing that this account was associated in some way with XXXX and by using this language they deceived me into believing that they were working on behalf of XXXX which they were not. XXXX was completely out of the picture by the time they they called me. Their client isn't XXXX, By misleading me they gave me the false impression that repaying these funds would go back to XXXX through XXXX XXXX. This caused me to enter into a stipulated agreement with them not knowing that XXXX wouldn't be getting the money. By using misleading and deceptive practices Hunt & Henriques was able to persuade me into believing false information about the alleged debt which eventual led to a judgement. Had Hunt & Henriques not misled me into believing that this alleged debt was still somehow involved with XXXX getting their money back I would have fought the judgement. By using this deception Hunt & Henriques also caused me intentional infliction of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to arrange a balance transfer and need by full account number. Best Buy/Citi will not provide it, nor direct me to person with that authority. Statement only has last found numbers. I do not have the physical card as they had closed it out a while back and I shredded card. They say they can not give me a new card, as they had closed it. I made all payments and want to pay off last {$1100.00}. I asked XXXX, the supervisor, who there could or could tell me who to talk to and he hung up ( he said there was no one above him in organization I could speak with ). 

I just need my account number, please.

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 2017-04-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Ocwen Financial Corporation
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account XXXX Phh mortgage, account XXXXXXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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:
In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-11-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just found out that someone used my identity to applied a XXXX XXXX  and took over my mortgage with out my knowledge and permission. In XX/XX/2003. 
Wellsfargo Home XXXX XXXX mortgage allowed the other fraud to applied a informal Loan by using my personal identity and its making me lost my identity and became Victim Of Identity Theft. The loan is {$190000.00}.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I moved and did not realize I owed on my cable bill. The cable company XXXX XXXX sent me to collections. I have since paid the account off in full. I have the bank records as well as the confirmation number they gave me at the time of payment. I have called them and they confirm I paid in full. I have directly disputed these charges with Transunion many times at least 5 times over the last several months and they still show me as owing this bill and as it being in collections. I called them and they say it takes time. Please help.

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 2023-03-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair credit Reporting act. There is an address that is on my credit report via Experian I have tried to dispute this address because it is incorrect and no accounts should have this address on any file. And if so I demand that it be removed from my credit report ASAP. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is not my address and it is incorrect.

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 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 there were fraudulent debits taken from my bank account with my debit card at Capital One Bank. The amounts were {$6.00} & {$6.00}. After review the bank refunded these amounts so I conclude they agreed these were fraudulent. Again on XX/XX/2022, {$89.00} & {$89.00} were debited from my bank account by the same company, but the bank concluded these last 2 charges were NOT fraudulent. The bank will not provide their reasoning on how or why they came to this conclusion. I was sent a 9 page letter that in essence states that I did make the purchases on XX/XX/2022. The company is an online company that I have never heard of. Their name is orderlfonlineshop.com. When trying to contact the online company they do not answer the phone nor return emails. I am retired and can not afford to be charged for things I don't purchase. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, XXXX and TransUnion have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.

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 2022-02-01
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 status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : FACTUAL DATA Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXL Inquired XXXX XX/XX/XXXX THE XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2022-11-23
Company: Affirm Holdings, Inc
State: VA
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 never initiated a loan with Affirm, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. Affirm, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Cks prime investments has contacted me about a debt a month ago I have asked for validation letter never received the letter only got a bill with the company name with my name and address on it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Each time I use my card to make payment to XXXX  my information is used to make unauthorized purchases. Recently on XXXX XXXX I received a call from XXXX 's XXXX asking me to confirm a purchase, the agent and I agreed that it was a fraud purchase. I contacted my card company after speaking with the XXXX 's XXXX agent to advise them that the charges were not authorized, the XXXX agent cancelled the card and mailed out a replacement. The funds were left pending on my account now XXXX wants me to purchase a fax machine to fax over my fraud statement that I made to XXXX 's XXXX. Because I do not have access to a fax machine my funds will stay pending on my account, PENDING : XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation