BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: MS
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

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 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Under FCRA I have the right to receive a copy of my file with 15 days of requesting said copy. On XX/XX/2019 LexisNexis Risk Solutions received my valid request for a copy of my report. After numerous requests both written and verbal they have yet to provide me with a copy of the report. They claim they mailed the report to my previous address. After I discovered that in a phone call with them they promised to investigate that error AND provide and send a new report to my correct address. That was on XX/XX/19. I was told today that report has still not been mailed to me making it over 30 days without a report. According to your website I have the right to my report within 15 days. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The money source XXXX XXXX XXXX XXXX  in IL or XXXX XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed XXXX XXXX months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXX XXXX XXXX XXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 my lease with GM Financial ended. The leased vehicle was grounded at the local GM dealership on XX/XX/2020. In XX/XX/2020 I received notification from GM financial of the remaining balance due on the account. It included a grounding fee that I believed to be incorrect as the dealership indicated they would purchase the vehicle and I would not be charged a grounding fee. I worked with GM Financial and explained this issue and in XX/XX/2020 I was given a 30 day deferment on payment in order to work with the dealership and continually told that I could defer payment while I worked with GM Financial and the dealership to resolve the issue. However, due to the COVID-19 Pandemic, it was impossible to discuss this with someone at the dealership and I was not able to reach anyone by phone. In XX/XX/2020 I spoke with the agent explaining the issues. I indicated that I would be mailing an initial payment soon thereafter and then setting up recurring payments to take care of the balance within the 12-month repayment window. In XXXX, I was notified by a credit monitoring service of a late payment on my credit. I immediately called GM Financial and was told by the representative that GM did not issue a late payment flag on my credit. I left it at that and continued to make payments, paying off the full balance in XX/XX/2020. I contacted GM Financial on XX/XX/2020 to try and resolve the issue and have the late payment flag removed, however, the agents indicated that they could not do this as the payment was late. The request was made to GM Financial on the grounds that there was significant confusion by the representatives based on the deferments and the fees charged and who the responsible party was for those fees ; the fact that a global pandemic had resulted in closure of most businesses and the inability to discuss this issue with the dealership in a timely manner ; financial impacts to my family due to reduced income ; a clean payment history for the life of the lease ; and the complete payment of all charges and closure of the account. I believe it to be unjust to flag my account with a late payment given all of these factors and I believe GM Financial to be in the wrong given the confusing and misleading information that was provided to me despite my continued effort to work with them and provide them accurate and timely information. I believe that GM Financials predatory nature during a time of global financial instability and their poor training for customer service representatives led to the confusion that resulted in a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting 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:
KOHLS/CAPONE & XXXX I am writing this letter received a credit alert that an account for XXXX on XX/XX/XXXX and a charge for a XXXX machine was purchased and called them and it was delivered reported it to the bank and theyre investigating it. Another alert for hard inquiry was taken for the KOHLS/CAPONE on XX/XX/XXXX. I would like to have these fraudulent accounts shut down also filed an identity theft report on these and placed a credit freeze and alerts on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed a loan XXXX XXXX from XXXX XXXX XXXX Loans for {$2000.00}. My payments started XXXX XXXX for {$400.00}, XXXX XXXX for {$400.00}, XXXX XXXX for {$400.00} and XXXX XXXX for {$400.00}. I began to feel very concerned about how much I was being charged and for how long the term was going to be. I called Consumer Affairs about it and they suggested that I call XXXX XXXX XXXX to have my rate & fees adjusted to a lower fee. River Valley loans did adjust my rate & fees to a lower payment by starting my loan over. I paid every XXXX weeks Beginning XXXX XXXX I started paying {$210.00}. I have paid them {$4400.00} so far. I want credit for what I have paid already. I want to be treated fairly. Is this Legal to charge this much for a {$2000.00} loan? River Valley Loans said that I still owe them over {$4000.00} and something more! Thats over {$8000.00} for a {$2000.00} loan. This has to be illegal! Isnt this loansharking???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to log into my account to pay my bill. When I logged in I was not provided my phone number to get my access code texted to me. I called and they said I had a different number on file I said that is impossible as I had same number for over 15 years and I used the same number every time I previously logged in and was sent an access code to my number XXXX. I am concerned that they have no records of my number so i question their record keeping. They were unable to look at my historical records and verify the number. The verbally gave me a compeletly different number and refused to do anything so I said I'll get CFPB to look into this as there is a problem with their record retention, which is a CFPB offense. I request CFPB inquire Chase Marriott Bonvoy on first how my number was changed without my authorization and how they lack the records to verify historically the number that was provided to access my account in the past. I have attached a screen shot from my phone to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-04-03
Company: Experian Information Solutions Inc.
State: WA
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:
Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report.

A few months ago, I found a new address in Minnesota listed on my Experian report, which it says it got from XXXXXXXX XXXX. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that Experian refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and Experian just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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 2023-11-16
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is concerning Spring Oaks Capital LLC. 
I got a letter from Spring Oaks Capital LLC on XX/XX/XXXX  attempting to collect on a debt that I do not own. I sent Spring Oaks Capital LLC a letter of dispute to the alleged debt on XX/XX/XXXX  for validation of debt under 12 CFR 1006.34 - Notice for validation of debts. After this I waited 30 days and then I sent another letter of Cease and Desist on XX/XX/. I did receive a response from Spring Oaks Capital regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give Spring Oaks Capital LLC a chance in good faith to validate this alleged debt. The problem with Spring Oaks Capital LLC is that they are furnishing information about me without having permissible purposes according to the FCRA, now this makes it an Identity theft, under Title 18 1028 A Aggravated identity theft. Furthermore Spring Oaks Capital is attempting to collect on a debt that is considered income according to the IRS for being a charge off. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance. What are they collecting on? The Original Creditor has already charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Excessive nsf fees on accounts Previous address XXXX XXXXXXXX XXXX XXXXXXXX, ga XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXXXXXX ga XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is providing false consumer information about me to its subscribers. 

I have been trying to get them to remove this false information for years yet they refuse to and keep coming up with bogus excuses on why they can not remove it. 

I have provided them all of the documents they claim they need to " verify '' my identity but somehow its never enough. 

My family members, including my ex wife who I have not spoken to in 4 years, are being harassed because of the false information LexisNexis is providing. 

The email address XXXX needs to be removed from my profile today and any subscriber who received this info needs to be contacted and made aware this is not a valid email address for me. 

It was used by and ID thief years to attempt to open loans in my and my ex wife name. 

I have attached screen shots of the complaint I filed directly with them over a year ago which show I sent them copies of my passport, drivers license, birth certificate, and even my covid vaccine card. 

They have more than enough information from me to remove this false information. 

my complaint number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The PNC acquisition/merger of BBVA/Compass Bank has been a total disaster. On XXXX all of my accounts were supposed to be switched over to PNC. They had months of notifications of this process. On the Monday ( XX/XX/XXXX ) following transfer 1 personal account was accessible and 1 business account was accessible. I called a customer service number on XX/XX/XXXX and was on hold for over an hour without anyone picking up. I went in to a branch and there was a huge line of people waiting to get their accounts sorted. After 20 minutes of waiting and no new customers being helped I left. I called again on XX/XX/XXXX and after 78 minutes of being on hold finally talked to someone who was acknowledged that not all accounts transferred and they were working on it. On XX/XX/XXXX I went back in to a branch where over the course of 45+ minutes a teller was able to pull up all of my accounts and at least provide me with account # 's even though I still could not access 4 other business accounts, a personal line of credit, a personal money market account, nor a joint account. They took all the information down and said it takes them 3 days to submit the linking of my accounts. The following week I was recovering from XXXX XXXX and watched my accounts. Nothing was linked. The following week I called again and they said they are processing a lot of accounts and it was " only business accounts '' that didn't link. I told them 3 of my personal accounts didn't link either and they had no answer. It is now 1 month from the date of transition and I still do not have access to 4 business accounts and 3 personal accounts and the sum of deposits in these accounts is substantial. To add insult to injury, the PNC representatives go release statements that it is only a very small few accounts that have been effected. I know 11 individuals directly that had BBVA accounts and none of their accounts transferred fully to PNC properly and most of them still do not have resolution. This is an absolute cluster and I can not believe it has been allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FISERV INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, a transfer of {$15000.00} from my XXXX XXXX account to my new account with XXXX failed. The money left XXXX XXXX but never arrived in the XXXX account. Neither XXXX XXXX, XXXX, nor XXXX XXXX  have returned my funds. XXXX claims that the funds are being held at Fiserv, as their letter from XX/XX/XXXX states ( attached ). They suggested I reach out to XXXX XXXX, but they and XXXX XXXX refused to help. I attempted to talk to Fiserv over the phone, but the representative refused to speak with me. I had an attorney write a letter to XXXX, and XXXX then claimed that they had initiated an investigation with Fiserv. However, they ultimately did not share the results of this investigation.

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