BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: Social Finance, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a fraudulent credit card account with Sofi using my information on XX/XX/XXXX. On XX/XX/XXXX, I found out about this and called the company. I was told over the phone that the account was closed and I would not be liable for the charges, and that the fraud department would follow up. They never did. I received a notice in XXXX that a payment was due, so I called the company back. They confirmed verbally that the account was closed, but said they could not confirm in writing. They provided me with an email address and a case number. I emailed the address and never heard back. As of today, XX/XX/XXXX, I am still receiving notices about the charges being due. Further, I requested the details of the account in writing ( which they legally have to give me ), but they never responded. Every time I receive a notice, I email customer service and the fraud email address I was given, and I haven't heard back from any of the recipients. This company clearly does not take fraud seriously, and does not follow legal regulations in regards to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VICTIN OF IDENTITY THEFT AND ITEMS ARE REPORTING ON MY CREDIT FILE THAT SHOULD NOT BE AND ARE A DIRECT RESULT OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GEORGIA XXXX NOTICE OF VIOLATIONS AND LETTER OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EQUIFAX regarding my attempts to have my consumer report and file corrected. 

Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 XXXX XXXX XXXX Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: TX
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, these accounts listed below has violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX  account XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a leased vehicle with Toyota Financial over 1 year ago. The tags on the vehicle expired in XX/XX/XXXX. I never received a title. I contacted Toyota Financial in XX/XX/XXXX to request a new title and was told that they had to request a replacement title from the Virginia DMV, and could take up to 60 days. 60 days passed of driving on expired tags and we still have not received a title. My husband called Toyota Financial and explained that we had not received the title. They stated they could overnight a lien release letter and we could take to the DMV to get the title printed. Upon taking that letter to the local DMV, my husband was given a replacement title for someone from Toyota Financial to complete. I called and was given a fax number to send the form to and it would be3 completed within a " few days ''. I told them that this was unacceptable and I needed a email address of who to send the form to be completed. He drove 30 minutes away to the DMV and I had to wait on and off hold with several employees and still was not given contact information to the person completing the form because that person " works in administration and does not talk to customers '' I requested and still would talk to someone in administration at Toyota Financial. It is XXXX, and I still do not have a title from a vehicle I paid off in XX/XX/XXXX. I need my title or I need my {$26000.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-06-26
Company: Experian Information Solutions Inc.
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:
in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2022-11-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I believe that Huntington Bank deliberately withheld the check sent by my bank until after the payment due date to apply late charges to my account deliberately. Case in point, I have had Huntington bank for just six months of mortgages, and for the past three months, I have received late fees. My prior mortgages were paid the same way for the past 20 years, and for the last 13 years before XXXX, I have never been late on my mortgage. Last XXXX, my bank XXXX XXXX sent a check out for my mortgage on the XXXX of XX/XX/2022, and XXXX stated that they didnt receive it until XX/XX/2022. A day later than my due date. 
I decided to change my payment date to a week earlier, so on XX/XX/XXXX, XXXX XXXX sent Huntington Bank a check for my mortgage. Huntington Bank claims a check sent out a week earlier didnt reach them until XX/XX/2022. I call that how convenient. I believe that Huntington Bank is falsely and deliberately applying mailed checks a day after their due date. As I previously stated, I have been paying my mortgage on time over the last XXXX years, and with XXXX months at XXXX using the same payment system, I have XXXX late recorded payments. 
The prior mortgage company I had, I never had to speak with them, but I have been having many different problems with XXXX and the past XXXX months where I needed to call them to fix an issue. 
I have enclosed XXXX documents to show. In XXXX, XXXX XXXX proof of payment shows that I was sent on the XXXX of XXXX and cleared on the XXXX of XXXX. XXXX proof of payment was sent on the XXXX of XXXX and didnt clear until the XXXX of XXXX. These inconsistencies are glaring and only benefits Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
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:
in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-06-26
Company: Experian Information Solutions 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:
Recently XXXX XXXXXXXX XXXX Card services reported to Experian that I have a XXXX day late payment with them which is completely false. I paid my bill in full with a money order before the due date, I never received mail from them that my payment was late. This is fraud to report to Experian that my payment is XXXX days late, ask them to produce the money order payment, it never was returned 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 2023-10-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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 requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX - XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these items from my credit report immediately as I am well within my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Sarma
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of company SCI for amount of {$990.00}. 
This debt showed up on my credit reports and has harmed my credit. 

1 ) I am not familiar with SCI 2 ) I have never transacted with SCI 3 ) I have never been contacted by SCI 4 ) I have never been contacted by XXXX XXXX XXXX ( debt collector ). They said they sent me a letter which was returned to sender. I highly suspect the debt/charge could be in my old last name ( though I have provided this collector with my correct current name so they might reference my current name if you inquire ). 
5 ) I am a previous victim of identity theft ( name, date of birth, social ) with people trying to open credit accounts 6 ) XXXX XXXX XXXX claims the debt is valid, but is unwilling to provide me with any verifying information 7 ) XXXX XXXX XXXX suggested I should just pay the debt to them to make it go away on my credit report. 
8 XXXX XXXX XXXX XXXX offered no other solution but said I could write them and provide information to dispute. But I don't even know what information to provide and I'm not sending a debt collector any of my personal information. 
9 ) I strongly believe the original charge from SCI was fraudulent and XXXX XXXX XXXX has picked up the debt and applied it erroneously to me. 
10 ) I've seen other complaints on XXXX about SCI and XXXX XXXX XXXX, exact same situation as mine 11 ) The three credit bureus rely on the debt collector to verify the debt is valid. But no one is willing to provide me with information showing the original charge details or help me prove the charge is not me. 
12 ) I can't even provide any documentation of the debt collection from collector or SCI because again, they've never contacted me ( even though collector says they sent a letter ). 
13 ) There are numerous numerous complaints online about XXXX XXXX XXXX as a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Cawley & Bergmann, LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from XXXX ( though it said XXXX on my caller ID ), and it went to voice mail. I have the message sent to me in text ( a paid service from XXXX ) wherein the company says the following : " Good afternoon this is XXXX XXXX debt collector with Cawley & Bergman 'following-up on previous calls and letters ' [ no such calls or letters exist ] about an 'important PERSONAL business matter ' [ what does that even MEAN??? ] that has been palced in my office. This is not a sales call. Please return my call as soon as possible at XXXX. I will be in the office today until XXXX XXXX  Central. Your prompt attention to this SENSITIVE matter is appreciated. '' I called the number back, livid that a company would leave such a message and having my own attorney on standby ( a friend who specializes in debt collectors practicing bad business ) whereupon I explained that I would like to know what they meant by a " personal business matter '' and said that I had an attorney so to please give me a straight answer. She talked over me entirely and only kept asking about my attorney 's information. I explained I needed to know what the call was about and she said she needed to " verify my identity '' before explaining. I asked her to " go for it please, because I would like to know what you are calling me about. What do you need to know? '' It was then her " supervisor '' got on the phone and everything went south. I wish I had recorded the call but I can not recall a time being treated with such disrespect - talking over me, not letting me say a thing, yelling .... 

PLEASE give some attention to this matter. I know my rights, and I am very comfortable with the laws around this sort of thing. I could not just let this go by without filing a complaint. A personal business matter that's apparently sensitive?? Please. 

Again, please kindly pursue this as I really hope nobody else has to endure such bad business and skirting the law. My friend/attorney would surely find that they are breaking several laws, I just know they need to be stopped. 

All my best, 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 2022-07-28
Company: Convergent Resources, Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
A certified letter was sent to Convergent Outsourcing on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Convergent Outsourcing has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX 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