BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Northstar Location Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. XXXX  has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from XXXX in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
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: Information belongs to someone else

Complaint:
I 'm a victim of Identity Theft and I have several or duplicate accounts showing on my credit report that do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: Paypal Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm sure I'm been hacked. This has been going for a wile. Identity theft. May be PayPal services. I've contacted them with success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XX/XX/2020 statement there was a balance of {$100.00} for a single item purchased. The due date to pay was XX/XX/XXXX. On XX/XX/XXXX I returned the item and received a credit from the merchant for the full amount of {$100.00}. Thus, my balance became {$0.00}. Yet, my XXXX statement had a charge by Citibank dba Sears Card of a late fee of {$28.00}. I called Citibank, whose representative stated that return credits do not count towards the payment due. This is a total fraud by Citibank. The CFPB should recommend that the regulations be amended to make it clear that financial institutions must offset previous balances by any and all credits issued by merchants before the next closing date. Moreover, Citibbank ; s website does not allow for online accounts, such as mine to dispute online any fees. This, too, is another cheating way Citibank prevents cardholders from disputing fraudulent fees. The CFPB should recommend that it be mandatory for financial institutions to allow online disputes of fees.

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 2022-04-16
Company: FC HoldCo LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) 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 explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
It is indicated that I paid my student late when that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It is indicated that I paid my XXXX  late when that is not true.

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 2016-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. 

I request PNC bank to keep its promise and give me the {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
My XXXX WAS COMPROMISED AND IT HELD THE INFORTION OF ALL MY PASSWORDS TO EVERYTHING AND MY IDENTITY HAS BEEN STOLEN AND IS BEING USED RIGHT NOW. I HAVE REPORTED IT TO MY BANK XXXX BUT HE STILL WAS ABLE TO ACCESS MY ACCOUNT I REPORTED TO CASH APP AND HE STILL HAS ACCESS I REPORTED IT TO XXXX AND MY PHONE ENDING IN THE NUMBER XXXX IS STILL COMPROMISED I REPORTED IT TO XXXX I ALSO REPORTED IT TO IRS AND SOCIAL SECURITY AND XXXX AND MY KIDS HAVE BEEN REMOVED BECAUSE OF THIS SITUATION. IVE CALL THE POLICE NUMEROUS TIMES SINCE XX/XX/2022 AND JUST GOT A REPORT WRITTEN TODAY ALL THE OTHER POLICE THAT SAID THAT THEY WROTE A REPORT LIED I LET XXXX KNOW BECAUSE THEY ARE BUYING AND OPENING THINGS IN MY NAME AND MY KIDS. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with Home Point Financial I was put on a forebearance plan and was told I could skip payments. They stopped the payments but reported me as late. When I login into the website I can not make payments or do anything else. The company is Homepoint Financial and my loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding purchased debt originally from XXXX Bank. The account with XXXX was orginally opened XX/XX/XXXX, first reported XX/XX/XXXX, at the time balance was {$950.00}, note the original credit limit was {$950.00}, and I keep getting offers from Midland to pay debt, they 're stating my current balance is {$1700.00} and I have XXXX options to pay, I did n't respond. I do not owe this debt ; I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws. I have checked with my State XXXX and verified that the Statute of Limitations for enforcing this type of debt has expired. Midland has re-aged this debt and this is simply a fraudulent act. MCM Account Number is XXXX and the Original Account Number for XXXX XXXX XXXX XXXX XXXX XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: WA
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. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX Experian, or XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it rela
tes.

As a consumer, I am demanding deletion of the following accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was informed by a family member that there was a lawsuit filed against me by capital one trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. Capital one has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} AR XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX insurance company reported me to Credit Collection Services for a amount they say I owe simply because I cancelled my policy ; which I had previously paid in full. As a result I have to fight with the collection agency to keep if off my credit report which I value greatly. They are doing this out of spite & have no proof or reason to report me to the credit collections. I proved to them all the things they asked to show that I didn't owe them anything but the disregarded the information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from USAA dated XX/XX/XXXX confirming the opening of a USAA savings account. I have never owned/opened a USAA-related account whatsoever. On XX/XX/XXXX, I called USAA 's fraud protection services about freezing the account. They said they would do what they can. On XX/XX/XXXX, I checked XXXX. It confirms the opening of a USAA savings account with a balance of {$8.00}. 

Additionally, on XXXX, I have obtained the address of the person who may have stolen my identity. I say this because I do not recognize the address whatsoever and have never even been to the state that has now been tied to my account. 

The address is : XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Synovus Bank
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap

Company response to consumer: Closed with explanation