BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: CL Holdings LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

You have multiple address and names on my credit profile. You should only be reporting my only one and only verifiable address and real name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.

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 2021-05-18
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : 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 2016-11-29
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CCI Contract Callers Inc., XXXX, GA XXXX, telephone number ( XXXX ) XXXX, is attempting to collect a debt not owe from client XXXX, account number 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 2016-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Penn Credit Corporation
State: NY
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:
This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a threatening call stating that i will be served paperwork that i need to sign as they are taking legal action against me for a debt i owe but do not state what the debt is or who they are.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. 

I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: American Credit Acceptance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: American Credit Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: ALLY FINANCIAL INC.
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened XXXX CD with Ally Bank five years ago the maturity was XXXX XXXX, 2016, we closed the CD on XXXX XXXX, 2016 and did not receive interest from XX/XX/XXXX till XX/XX/XXXX. I can not find my disclosure but I thought that they pay interested in the grace period. 
I called and they told me that do not pay interest because I close the account. 
Can you tell me if this is common practice?

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 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, 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 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion never verified information. I have alert for Identity theft and they continue reporting same wrong accounts, balance. Accounts never charge off, was paid and I sent long time ago proof to fix in my credit and continue reporting. accounts was deleted was inserted again. Accounts not belong on my name. They sharing with other companies like leasing companies XXXX, etc old information and accounts with more 7 yrs and include in bankruptcy or the other person name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Issue Credit Reporting company 's investigation : Problem with statement of dispute Initially I sent the bureaus letters about inquiries, about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries. 
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 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has reinstereted a prior blocked FACTA ACT fraud account on my credit report causing massive irreprerebalw harm. They sent no notification of resinserion as required by law what 's more the account was blocked nearly a year ago after supplying them With inordinate amounts of proof the account was fraudulent! They miss remove the rand brooks 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 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. 
I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Seterus, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting XXXX XXXX XXXX XXXX to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. XXXX XXXX XXXX is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?

Company response to consumer: Closed with explanation