BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX BANK XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed as guarantor for an apartment for a year starting in XX/XX/XXXX to XX/XX/XXXX. 
I ensured all rent was paid through the agreement I signed. 

The renter extended the rental beyond the time I guaranteed. The property advised me there was nothing needed from me to end my commitment once the time expired. 

the debt collector has made every possible effort to collect from me not wanting to accept the signed notarized agreement with begin and end dates as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: FORD MOTOR CREDIT CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I purchased a brand new XXXX XXXX. The dealership pushed me towards using XXXX XXXX for the vehicle and I accepted. After the first paperwork was filled out on the vehicle and my down payment was accepted there was an issue with something in the paperwork and I had to come back in and re-sign every page again. 

To my understanding we set up auto-pay that day however the following month I learned that there had been another mix up and I was about to be late on my payment. I paid in full plus a fee that morning on the phone. 

Later that week I was able to log into my account online and link my bank account and set up my auto-pay from my laptop during a business trip to XXXX. I made another payment and was happy everything was finally taken care of. 

XX/XX/XXXX my credit monitoring alerted me of a 30 day late from XXXX XXXX and my credit had dropped XXXX points below where I could qualify for the home we were purchasing! I immediately got on the phone with XXXX and inquired what had happened and paid the back amount of almost {$5000.00} with fees and penalties and the person who helped me made sure that auto-pay was set up and reflecting on both ends now and informed me there had been issues similar in the past after apologizing to me. 

They refuse to give me any form of resolve or letter to have this mistake and 30 day late off my credit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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: Account information incorrect

Complaint:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXXXXXX  I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice for Proof of Claim Account : MEDICREDIT # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive submitted documentation and disputes regarding accounts that are not mine and they need to be removed 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: RI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 section 623 ( 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 2021-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/23 I attempted to see what balance transfer Chase was willing to take so I could pay off my balance over the next year. I asked for {$13000.00}, but Chase was only willing to open an account for {$4000.00}. I then at that point did not authorize Chase to continue with account opening or any balance transfer. I ended up going to another company for the balance transfer that I was requesting. On XX/XX/23, I was made aware that the card was opened and the balance transfer commenced without my consent. I received a text message from Chase where I responded that I did not authorize any transfer. I then tried to contact Chase and was bounced back-and-forth with 7 customer service reps all over the globe over the span of 2 hours. Once I finally was to a representative that knew their own policies, they let me know that the group that I need to speak with closed an hour before. This was only an inquiry that I made online through my bank, well old bank now, and I never authorized any account opening. I have lost all trust with them. XXXX XXXX XXXX? The only information that I have is the last 4 digits that they used when they decided to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my Chase credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

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 2022-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
lam a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On the morning of XX/XX/XXXX, I checked our local property tax site to see if Truist had submitted our payment for property taxes totaling {$2700.00} by the XX/XX/XXXX deadline. The local government website showed that they had not. This payment has now incurred a penalty of {$130.00}. This now makes the total balance due {$2900.00}. 

Immediately, I called the Truist customer service line and spoke with XXXX different representatives who both confirmed that we had paid property taxes during closing and they were to be distributed through escrow but had not done so. One representative stated that the first installment would be in XXXX and I corrected them to let them know it was due XX/XX/XXXX. 

The second representative told me they would take two weeks to research what happened and get back to us. The representative also stated that if the research finds Truist at fault then they will also pay for any additional penalties along with the original balance due. 

On XX/XX/XXXX, I followed up with Truist who told me the research would now not be completed until XX/XX/XXXX, which is an extra week beyond the original date for completion. Truist also told me that the closing attorney and title company was responsible for the first property payment.

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 2021-01-04
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:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-04-04
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX : Opened a Citibank account after receiving a mailer that said I would receive a {$400.00} cash bonus after depositing {$15000.00} into either my new Checking OR Savings account and as long as in good standing for 90 days ( XX/XX/XXXX ). 

XX/XX/XXXX : Deposited {$5000.00} into my new Citi Checking account XX/XX/XXXX : Deposited {$10000.00} into my new Citi Checking account XXXX : Account balance in Citi Checking : {$15000.00} At some point between XX/XX/XXXX and XX/XX/XXXX, I contacted Citi to see when the bonus would go through, they said after the initial 90 days, that the money would take another 60 days to be deposited so by XX/XX/XXXX. 

On XX/XX/XXXX after seeing that the bonus was not deposited, I contacted Citi who said they would look into immediately and make sure my bonus was processed. 

On XX/XX/XXXX : I received a letter saying that my account was ineligible for the bonus since my savings account was closed on XX/XX/XXXX. I never personally closed this account, so am assuming Citi closed it after zero activity. However my Checking is still active and in the initial bonus email it said only one account had to be active and have the {$15000.00} balance in it. 

I wrote them back and received another letter on XX/XX/XXXX saying that my account was ineligible since my Checking account was closed XX/XX/XXXX. They have the account number wrong, as well as my checking is still active as of today 's date : XX/XX/XXXX. Again, either way this is incorrect as my checking is still active and I only needed one active bank account as per their initial mailer and bonus email. 

They falsely advertised their promotion and my account is 100 % eligible for the {$400.00} bonus and I am now almost 30 days overdue for it. 

I am attaching : -Initial Bonus Email I received on XX/XX/XXXX after opening my account -Letter 1 I received on XX/XX/XXXX -Letter 2 I received on XX/XX/XXXX -A screenshot of my active Checking account with balance I appreciate your help in advance, thank you.

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 monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681.

Account # XXXX**** has violates my rights.

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: HOVG, LLC
State: PA
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:
XXXX and XXXX reported a {$3700.00} collection filed by Bay Area Credit Service from an uncollected account from XXXX, XXXX XXXX Works with no supporting data. 
I called and spoke with XXXX and XXXX XXXX on the phone the day I received and alert that the account had been posted to the credit companies asking for documentation of the account ; XXXX said the records were more than two years old and would require a subpoena. Bay Area Credit Service gave no answer.

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