BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-05-28
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I asked for a breakdown of what I owe and why and I was sent a paper in the mail showing me where they're saying the charges are coming from. All of this has been sent from a third party company in which I did not authorize to have my information so this is a violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CARES Act was not utilized in terms of reporting because XX/XX/XXXX statement, the automatic draft did not post as it had done consistently since XX/XX/XXXX. The XXXX XXXX statement shows a past due fee adjustment for XXXX $ because I called Capital One and explained that there had been a mix up and a payment arrangement was established due to an oversight. The XXXX XXXX statement shows a XXXX $ payment per the telephone agreement with Capital One but they reissued the late fee that they had adjusted in good faith during the call which seems to be an unfair and unscrupulous business practice. The XXXX statement shows payments made per another phone call with Capital One because I did not understand why I was getting late fees when a payment arrangement had been established and was being followed. The representative said I had to pay XXXX $ to bring the account current, which didn't make any sense, but I paid it on the XXXX after the required payment was already made on the XXXX. Since the account was made current and it is apparent that the oversight happened during a period of reduced hours due to adjusting to COVID precautions, I am requesting that this account be removed from past due status on XXXX, XXXX, and XXXX  or deleted completely due to inaccurate reporting during a world-wide pandemic for credit 's sake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2023-09-26
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: General Motors Financial Company, Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both XXXX and transunion. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.

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 2023-11-30
Company: ZWICKER & ASSOCIATES
State: TN
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 received a letter in XX/XX/XXXX from Zwicker and Associates regarding a debt for XXXX. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of Zwicker who advised legal action had been filed because my payments had not been enough even though I never received anything from Zwicker advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the XXXX arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Wells Fargo advertised a bonus of {$2500.00} to any customer who opened one of its " XXXX '' checking accounts and brought a total of at least {$250000.00} of " new deposits '' to Wells Fargo. I understood* that the CD I bought ( dated XXXX XXXX, 2023 ) could be counted as a " new deposit '', though it had obviously come from a CD which MATURED on XXXX XXXX. 
All my new CD 's -- -totaling {$250000.00} -- -were bought well within the date limitations on the bonus offer. 
Local bank employee ( XXXX XXXX, XXXX branch ) asserts that my latest CD did NOT qualify as a " new deposit '', because it obviously came from the previous CD, and would not count as a " new deposit ''. 
It was my understanding from a discussion on XXXX XXXX with a different employee ( XXXX XXXX XXXX who usually works in WF 's XXXX XXXXXXXX branch ) that if I bought a new CD -- -when the existing one MATURED on XXXX XXXX -- -it would count toward qualifying me for the bonus offer. 
*I dealt with XXXX XXXX on XXXX XXXX when I bought two CD 's and opened up the Premier checking account. 
When my last CD matured on XXXX XXXX, XXXX had automatically rolled it into a new CD -- -at a lower interest rate, of course -- -but I was well within the grace period for cancelling the new CD. 
I could have -- -and WOULD HAVE -- -taken the $ money from the CD which matured on the XXXX, across the street to another bank and then written a check on THAT bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company HP sears several times do not call my phone they continue to call on different numbers every single day I have already filed three complaints against this company they continue to call and harass me every single day from different numbers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I stayed at XXXX XXXX due to a Constructive Eviction on an Uninhabitable home. The Hotel room was missing the screen on the window. I heard Hotel guests speaking about XXXX XXXXXXXX. Instantly the XXXX XXXX XXXX entered my room. I called the front desk manager who was dismissive. I promptly contacted XXXX police. XXXX police falsely stated hotels are private private and XXXX XXXX  is permitted. Citibank refused to credit me my full refund for the final night stay. I want my complete refund ASAP.

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 2023-01-26
Company: EQUIFAX, INC.
State: TX
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 am a victim of Identity Theft. I submitted my report as i was supposed to. Equifax refuses to remove or block the items that were not mine due to Identity theft when the other bureaus did. My ID Theft report with the FTC was XXXX. Not only was my information stolen a while back, it was also compromised by Equifax themselves as i am currently awaiting my check for the information breach. I have reached out to them TWICE in an attempt for them to fix my report but they have ignored me and/or refused to do anything about it or contact me about it. I am just trying to move forward with my life and they are not letting me do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of 2020 I went to XXXX XXXX  and paid off a phone and cancelled service, however they were still charging my account, I did an online chat in XXXX or XXXX regarding still being charged for the account, they said they apologize and will cancel the line, XXXX i got another email stated that my account will be permantly terminated if i do not pay the balance however the account was suppose to be cancelled since XXXX. In the store in XXXX the representative stated that they cancelled the service and unlocked the phone! Yet months later they were still charging me for the service. XXXX when I called a rep told me all I had to do was go into the store and show my ID and they will cancel once they verify that there was inactivity on the account and I would be cleared of the full balance. It hasn't even been a month later and I was sent to collection all because this company made a stupid mistake and did not cancel my service like I asked them to!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NV
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 List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : 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, 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Medical Data Systems, Inc.
State: IL
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 XX/XX/2020 Med Data Sys added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Med Data Sys has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2019-04-02
Company: Avant Credit Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/ Madam, In XXXX of XXXX, I obtained a small loan of {$3000.00} from Avant, www.avant.com, I applied for it online, Avant received their payments on timely manner until the loan was paid in full in XXXX XXXX as per the terms. 
Although, the loan was paid off, they kept my personal information exposed in their system, that included the name and address and phone number and my Social Security number & more, which suppose to have been deleted and the account should have been closed after the last payment. 
On XX/XX/2019, I received an email from Avant claiming that I was declined for a credit card that they supposedly have, I never applied for the alleged credit card, nor I had any knowledge that they even offer a credit card, beside the fact, I am not in need of their credit card. 
I attempted to call Avant and speak to the supervisor, I told her that I never applied for Avant credit card, and I asked her to show the information on the alleged application! she refused to give any information about the address on the application that supposedly was for the credit card, she refused to mention any information that did not match my information on the Fraudulent act. 
This alleged claim, caused a hard inquiry on my credit report which caused a big damage to my credit reports, and I do feel that my information was stolen & robbed internally at Avant 's corporation by one of their individuals. They sent me an email asking me to fill an identity theft report, I refused to do that, because the credit bureaus will keep that on my report for two years and freeze all my information. 
I sent Avant a letter by a certified mail, it's attached on this complaint advising Avant to delete my information immediately from their system and confirm it with a formal letter addressed to me. 
I also want to demand a letter from Avant to all the credit Bureaus to remove the hard inquiry that has been caused by their intention and negligence. 
Letters have been sent to the proper authorities and to my Attorney and to Illinois  State Attorney General. Avant is located - Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX I respectfully ask the CFPB to use it's legal inspection and investigation and force such fraudulent behaviors in such agencies to face the law and to stop them from robbing consumers information for their personal and fraudulent uses. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Genesis FS Card Services, 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 XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Dave Operating, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Wednesday the XXXX I accidentally deposited {$3800.00} to Dave banking and cash app said the deposit was successful again and Dave is saying they never received it. And with the {$490.00} it took 35 days to get it back and I dont want the same thing to happen with this.

Company response to consumer: Closed with explanation