BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: DE
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 just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.

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 2022-06-27
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 Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Quality Asset Recovery LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX certified debt verification letter sent to Quality Asset Recovery. 

As of XXXX, I have not heard from them regarding the debt verification but they are still attempting to collect on the debt. Even listed it as two separate debts on 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 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened three credit cards under my name and Ive only notice when I looked on my credit file. XX/XX/22 American Express for XXXX $ XX/XX/22 XXXX XXXX for XXXX $ XX/XX/22 XXXX XXXX XXXX for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Incomm Holdings Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi Vanilla, I called a week ago Friday, XXXX XXXX, to report a fraudulent Vanilla Gift Card. My family handed me a Vanilla Gift Card for my birthday they bought for {$100.00} plus a {$5.00} activation fee. The card was purchased at XXXX 's in XXXX, XXXX. 

I tried to use the gift card at two different XXXX stores but the card was declined both times. One of XXXX 's associates also could not get the card to allow me my purchases. 

Attached is a copy of the original XXXX receipt showing the card was activated on XXXX XXXX, 2022 at XXXX XXXX When I spoke to your customer service agent on Friday XXXX XXXX, 2022 she told me someone had used XXXX to purchase an item with my card. 
I have not used XXXX in over two years. The balance on my {$100.00} gift card shows only {$.00}. Unacceptable!!! 

I am requesting an explanation of how my money was spent, the exact date with time. I am also requesting what you intend to do about my missing {$100.00}. I have been told anyone activating a gift card has access to the purchase record and can fraudulently steal the account numbers, expiration date and security code to use the card. 

I am requesting a speedy, prompt and full refund resolution to my missing money. 
My family and I are equally disappointed about this horrible ordeal and suggest you find a permanent solution to fraudulent use of gift cards. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Hauge Associates, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXXXXXX XXXX- Was told by an associate that they would report my debt to the credit bureaus. Told them I couldn't do anything right now. 

XX/XX/XXXX - Associate was very rude during a phone call about trying to collect a debt. Then was informed about a new debt that I had no idea existed. 

XX/XX/XXXX - I called back to have validation letters sent to my new address and explained that I had not received any validation letters prior. They said they would not resend them. 

Countless phone calls between those two dates that was so many that my spam blocker on my phone started to automatically flag and ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX are not mines I never filled any application out or gave anybody my information to do so Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX I never filled out any app or gave them permission to pull my information I never applied for anything with them

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18.00} XXXX XXXX XXXXXX/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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act AD XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-27
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: OH
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SYNCHRONY FINANCIAL
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:
SYNCHRONY FINANCIAL XXXX I tried to purchase a item at a XXXX  XXXX XXXX and a salesman decided to run my credit to see if I can purchase the item.ask would this get me any hard inquiry on my credit report he said no.he ran up and supposedly my card was to low for the purchase.so told me about SYNCHRONY FINANCIAL and I wasnt interested and told him I dont want the service and said ok.I went home later that day and realized that my credit score dropped and one hard inquiry on my credit report.he use my information and me up with out my consent after I refused his financial offer.

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 2021-08-03
Company: Georgia Student Finance Authority
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: Old information reappears or never goes away

Complaint:
The Georgia Dept of education refuses to get rid of closed accounts that have been paid off & they will not answer the phone. I have 8 closed & paid off accounts that are hurting my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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:
On XXXX I received an alert from XXXX Credit services indicating someone used my information to open a fraudulent account with the Bank of America XXXX XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with Bank of America and XXXX to have this account removed from my record.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX -US DEPT OF EDUCATION XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Social Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a Personal Loan with SoFi Bank for $ XXXX 11.99 % ( NO pre-pay penalties ), with auto-payments setup from my new SoFi checking account.. 
On XX/XX/XXXX I found a different loan company with a lower interest rate, 5.99 %. I opened that and then sent a large payment of $ XXXX for principal only on the SoFi Bank loan on XX/XX/XXXX, knowing my regular payment was being withdrawn automatically from my bank account a couple days later. Both payments were processed, posted and confirmations were received ( see below ) ). 
I then proceeded to close the loan. However, I found that SoFi only applied partial payment to principal, charged me {$170.00} interest fee and then re-amortized the loan. I received a new email on XX/XX/XXXX that my regular payment did not clear due to insufficient funds ( even though I received a text, email and account notifications that stated BOTH payments posted )?! 
I called on XX/XX/XXXX and spoke to the manager, XXXX regarding this matter. I requested that the {$170.00} be credited and applied as it was requested to principal only. He stated no, that is how they do it. This made no sense since I specifically asked if there were any pre-payment penalties before I agreed to the loan. I requested that my accounts be closed immediately. I made direct payoff payments to him. 
As of today XX/XX/XXXX, I went online and found that they again, re-amortized the loan causing me a new balance owed of {$.00}. Had I not checked on this today, I would have received a late fee and credit score issues. This since we supposedly closed the accounts ( as I requested on XX/XX/XXXX ). These actions by this financial institute could really cause hardship to consumers. XX/XX/XXXX XXXX, I called SoFi rep, XXXX XXXX She said she sent in a request to clear it but could not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies Transunion, XXXX, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Transunion with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All 3 of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.

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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Details : I had a CAPITAL ONE XXXX  CREDIT CARD LAST FOUR # XXXX. 

Circumstance : Due to COVID, my wife getting sick and complications arising from this ( paralysis ) I had 3 late payments, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am current. 

First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything.

Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed.

However I don't think they got the message as it was done online. 

Second Attempt : Today I spoke with Capital One at XXXX XXXX XX/XX/XXXX and they said they would remove them, but their system wouldn't allow it. 

I only got this credit card to improve my credit and it is hurting me so bad I can't get another credit card, car or house. 

I currently have a credit card with them, no negative marks. It only has a {$2000.00} balance and I had to pay it off 4-5 times last month due to low balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am past annoyed with Santander and their practices. They are damaging my character by reporting a repossession on my credit reports. They claim the vehicle was sold and the debt was charged off but I am still getting calls from them demanding payment. I know that charged off means they wrote it off as a loss and probably were paid on an insurance claim AND the sale of the vehicle. Also, I was not sent a 1099-C for this charged off debt which I'm ready to contact the IRS and report their fraud. I'm tired of the harassment and violations of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went online and saw a house that was advertised by XXXX XXXX who works for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX, SC. XXXX XXXX told me to meet him at his office in XXXX XXXX XXXX and he would have the builder there on XX/XX/2021. When I got there there were people waiting. XXXX XXXX introduced XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the builders. XXXX XXXX said we require {$55000.00} to sell you the land and start building the house. I wrote a check for {$55000.00} and ask who do I make it payable to? The man who XXXX XXXX introduced as the builder, XXXX XXXX said leave it blank I have a stamp. I later found out that XXXX board made my check payable to himself and put it in his bank and scammed me and my bank out of {$55000.00}. I also found out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not and has never owned the land that they sold to me. It was all the housing scam. I called XXXX XXXX and asked him for my money back and he laughed and said all of your money is gone. He gave me XXXX XXXX number and told me to call him. I called XXXX XXXX and left a message and he text me back in DO NOT EVER CONTACT ME AGAIN. I was scammed out of {$55000.00} thinking I was buying a house. They did not have a house to sell or build to me they did not on the land it was all a scam and they stole my {$55000.00} From my checking account.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: IA
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:
On XXXX I received an alert from Experian Credit services indicating someone used my information to open a fraudulent account with the XXXX XXXX  XXXX of XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with XXXX  XXXX XXXX and Experian to have this account removed from my record.

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