BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: CAVALRY INVESTMENTS, LLC
State: MI
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 am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
My name is XXXX XXXX XXXX. My Merril Acct No. : XXXX I sold my XXXX XXXX  stock option on XX/XX/XXXX and received wire transfer confirmation post mail which shows that transfer date is XX/XX/2022 and transfer amount is U {$19000.00} and money was remitted with XXXXXXXX XXXX XXXXXXXX. 

Even though Merrill  says the money was wire transferred to my bank account ( XXXX XXXX  XXXX ) on XXXX XXXX, I didn't receive it. My bank says, no money was arrived to my bank acct. 
I called Merrill  more than 20 times to trace the money but still the money was not traced down.

Merrill  sent me XXXX Form and I submitted to my bank but still there was no money arrived to my account. 
Merrill  said they recalled around 2 weeks ago and promised me to advise where the money is. I left my mobile number more than 5 times but didn't get any feedback. 

To trace down the wire transferred money, I'm calling to Merrill every night ( they have the record that I called them every night XXXX time at XXXX XXXX ) Pls check and advise where the money currently is. It is already passed 1.5 months since I sold my stocks! 
If you need another bank acct, pls let me advise the below. 
XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  ). I believe this account has no problem in receiving the money in 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 2018-08-27
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX   she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 do not know this account XXXX XXXX XXXXXXXX. I am wondering why it end up under my name. This is ridiculous and incorrect.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 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 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of XXXX want to know why was it on my Report.Secondly they had the XXXX XXXX XXXX  XXXX XXXX for years when a XXXX crime was committed on a military base involving this alleged child.I got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXX XXXX XXXX XXXX address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely 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 2023-07-04
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:
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.

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 1681c. ( a ) ( 5 ) Section 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 ( 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 non-monetary relief
Consumer complaint received 2023-03-09
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions 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:
Dispute Report Report ID # XXXX For XX/XX/XXXX. 

Experian Lowered my Credit Score on XX/XX/XXXX From ( XXXX ) to ( XXXX ) Due to ( 3 ) Alleged Late Payments. Their decision was based on information gathered via Their Experian Boost System of self reported accounts paid via My Bank Account monthly payment history.The Account in question were removed by me and transferred to newly attained credit cards as recommended to improve my credit score. As a result of my action Experian Boost during the above stated dates did not identify scheduled payments made to the afore stated accounts due to my removal of said accounts. Nor did Experian contact me to inquire if this information was accurate before lowering my score. Apparently Experian Boost did not formulate a procedure for a situation as mine where accounts from Experian Boost ( MY Bank Account ) are switched to another payment method ( Credit Cards ) .As a result of their neglect and use of inaccurate information attained from my bank account via Experian Boost Program was used to lower My Credit Score. I checked the records of the accounts in question all reveal that the payments in question by Experian Boost were paid on time.My Credit Report History states I have an exceptional payment history prior to and after My Bankruptcy filled on XX/XX/XXXX.Also the other Credit Reporting Agencies show I have never missed or been late for a payment. 
As a result the inaccurate information remains on my Experian Credit Report as ( 3 ) late payments During the period of XX/XX/XXXX and XX/XX/XXXX that lowered my score from ( XXXX to XXXX ) effecting My Overall Score by 35 % .Experian Boost Removed the afore stated account but failed to remove the Inaccurate Informatiom of the Alleged ( 3 ) Late Payments. I need this Information removed from My Account Immediately and My Credit Report Score Restored to the correct amount.

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 2023-06-15
Company: Experian Information Solutions 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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-05-12
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX ( Car Dealer ) uses predatory practices towards the elderly ( my Mother ). My mother is XXXX XXXX ( and has had failing XXXX for the past 7 years. Dealer has solicited her and been talking her into taking a new car, under a reoccurring LEASE every 1 - 2 years. I live in CO and she lives in CA. She can no longer drive or take care of herself and need to move her to CO into assisted living. The payments have also incrementally increased to where she is paying close to $ XXXX on a lease of a Kia XXXX. The going rate for a lease on this car is closer to $ XXXX. Currently, she owes {$36000.00} on a car that is only valued at {$26000.00}. Dealer said they bare no responsibility and that changing out leases every year is a norm ( he indicated he did it himself, but then backtracked when I asked if he would put that in writing ). A very nice sales rep XXXX XXXX XXXX XXXX noted that there are records of their sales staff soliciting her to trade in every year. 
Here is the breakdown : XXXX XXXX a new Kia XXXX  XXXX finishes out lease ) - No issues w/ this lease. 
XXXX New Lease on XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX ( XXXX ) - Solicited for new lease on new XXXX- She signs on Total owed to terminate current Lease {$22000.00} ( will not own anything at end ) Current buy out for latest vehicle- {$36000.00} Current car worth ( XXXX ) - {$26000.00} Lease payment : {$670.00} for 48 months starting XX/XX/XXXX Multiple calls with XXXX XXXX. My husband took a trip to CA and tried to speak with the owner XXXX XXXX ( would not see him ), the GM ( would not talk to him ), and finally the Sales manager ( XXXX XXXX XXXX whom he spoke with. He claimed no responsibility and said that if she passes, to supply the Leasing company a death certificate and that they would then allow for a resolution. Also tried to insinuate that yearly car exchanges as part of a lease are the norm ( said he did it himself, until my husband asked if he would put it in writing and he backed off ).

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 2023-07-04
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: Information belongs to someone else

Complaint:
First attempt to resolve this issue was not effective and continues to be in violation. By law consumer reporting agencies has 4 days to remove accounts relating to identity theft. Consumer reporting agencies must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX is an account showing on consumer credit report is in violation of the FDCPA, Privacy Act, FCRA, as well as section 5 of the FTCA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and other complaints against said company. Consumer will file suit against credit reporting agencies who fails to take consumer claims and immediately address them. Consumer will also seek remedy according to violations in continuing to report inaccurate and invalidated fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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