BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent XXXXXXXX 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 2023-04-06
Company: Palisades Funding Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a car from XXXX XXXX with a down payment of {$22000.00} and finance the rest of {$16.00} XXXX the price of the car that I sign for was {$33000.00} for XXXX XXXX with XXXX mile on it z.., the loan payment was XXXX each month.. I been paying the loan for 2 years and 3 months .. which add up to {$28000.00}.. I even have a letter statement from the company that Im finish pay for the car .. for the car which I will provide .. the car company forced and illegally towed my car yesterday.. Im contesting the towed and he pushing me away .. which is illegal because they have use forced .. also I have an active case going on with the loan company which the ignored ..the company also breach consumer code us code 15 -1602 and us code 15 -1622 .. im finish paying for the car but the loan company is doing illegal thing to take my car .. they loan company also violated a number of rule .. the company never gave me any money in hand .. and for a consumer transactions to be valued money must be in hand .. that never happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from my credit.

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 2023-09-03
Company: EQUIFAX, INC.
State: OH
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:
the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Atlantic Credit & Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a Chase Unlimited card I never applied for on XX/XX/2023 from JMBC Bank. I contacted them, told them I hadn't applied and they told me the inquiry would be removed from my credit report. They gave me information as to how to place a fraud alert on my account through XXXX so anytime there was an application done I would recieve a call to confirm my identity. I set up the alert immediately. 
This alert does work as I was contacted on XX/XX/2023 when I had applied for an XXXX credit card. 
I received an email on Saturday, XX/XX/2023 from Chase saying there was a letter on my account in regards to the recent credit card I had applied for. I thought it was awfully late since I had applied for the XXXX card XXXX weeks prior. When I logged on it was in regards to a card that was applied for on Friday XX/XX/2023. It was a letter telling me I was denied the card, not because of a failure to verify my identity, but instead gave a list of multiple other reasons for the denial. I called Chase immediately, upset that I was never contacted on Friday. They assured me the inquiry would be removed, when I asked why no one contacted me when I have a fraud alert on my account I was told I had to contact Consumer Finance. There is no one to call about fraud over the weekends but I remembered I set up my alert through XXXX and called them. They told me the alert is there, confirmed my only phone number and told me that it is up to the banks to call the customer with an alert, that it isn't an automated system in which I get a call. So I called Chase back Sunday morning XX/XX/2023 to find out why I was never contacted. I was told they could not tell me since the account had been closed, that there was no way to pull any information about the fraudlent account. I told them I inquired about it the previous night, before it was closed, and was directed to contact someone different. 
What it feels like to me is someone did not do their job on Friday XX/XX/XXXX and chose not to contact me, when I called about this error they again chose not to do the right thing and instead passed me off to be someone else 's problem. I took the steps I needed to take to protect myself and the Chase actively chose to not do what was required of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX I received a Bank of America statement by US mail for an account I did not open. I called their fraud and they closed the account. 
XXXX XXXX I received an email from Bank of America saying an account had been created. I did not create this account. I called and they said they were closing it. 
XXXX XXXX I received another Bank of America statement by US mail for another account I did not open. I went to their branch office in X town, X state and tried to resolve it. They refused to close the account until I provided an affidavit, copy of my social security card and other identifying information-a large packet worth of paperwork. I told them they are allowing someone to keep opening fraudulent accounts without verifying their identify and asking me, the victim, to provide personal identifying information to a place that clearly has security issues. I told them this was backwards and wrong.

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 2023-08-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: SYNCHRONY FINANCIAL
State: IL
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:
Obtained my credit report and have unauthorized inquiries on my profile XXXX XXXX ( retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( retailer ) XXXX XXXX 3.SYNCB/PAYPAL ( bank ) XXXX XXXX 4.SYNCB/ AMAZON ( bank ) 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 2017-03-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a mortgage loan and the bank denied me because in the credit report appears radio shack account close ( they close it because they went to bankruptcy two years ago ). I continue paying my debt on time. The bank representative ask me for a letter from Radio Shack stating that they close the case and state that I being paying on time. When I called to Radio Shack the first representative told me that they ca n't send me a letter because they do not do that. I call again and the second representative told me that the letter will arrive in 7 days. After 7 days I call again to ask about the letter and the third representative told me that they will send the letter that day ( they did n't sent it ). At this time, has being pass 17 days and I do n't received any letter from them yet. Now I 'm confuse, if they close the account and damage my credit, do I need to continue paying this card? There is any way that I can get that letter from them, so I can provide this information to other bank in the future? Because apparently this will affect me to get a loan even though I still paying and be resposible with the payments. 
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 explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
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 USC1681. 
these 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 the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Discover to get a debt settled, the statue of limitation had already passed for this debt so I was not obligated to pay this debt per Discover because they can't sue me for the debt. I called Discover because I received a 1099C for debt forgiveness which I had to file with my XXXX  taxes for the year ending XXXX. I called Discover to ask them about credit reporting and was told that debt will reflect charged off until it has fallen off. I then asked why if they had forgiven the debt and reported this as a loss for their tax year, why is it still reported as charged off with a balance. I told that if I needed to have my credit report updated I would need to pay on the account. I offered to pay {$300.00} and they refused and countered at {$1000.00}. I went as far and told them I would settled the acct for {$500.00} just so I can have my credit report updated as settled, they refused my offer and told me lowest they could settle for was {$970.00} at {$100.00} per month. I then called them back and asked them why they are refusing to take what I offered as a settlement if I am not obligated to pay due to statue of limitations. I also asked them if they were going to revise the 1099c form that they sent me for {$3200.00} being that they are telling me I have to pay {$970.00} to get my debt settled and have my credit updated. This is unfair debt collections practice because how is Discover refusing what I can settle for even though I got a 1099c for the debt and had to pay taxes on it and they wont update my credit report reflecting that debt was forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Loan Transfer from CitiMortgage to XXXX There is a discrepancy in the current principal amount. Citimortgage shows the current principal amount as {$89000.00} and XXXX shows the current principal amount as {$89000.00}. The difference is {$310.00}. Please have Citimortgage show me the calculation, and explain the reason that the principal amount has increased during the transfer to 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 2023-12-07
Company: EQUIFAX, INC.
State: AR
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into Kohl 's to shop and the service person asked if I wanted a discount and signed me up for a credit card in XX/XX/2023. I did not realize I was signing up for a credit card until my parents received a statement at their home in Florida, I live in Michigan. I went in and paid the balance and verified they had my correct address in Michigan. ( I have never lived at my parent 's home in Florida ). They proceeded to send me statements of late fees to my parent 's home in Florida. I called the local Kohl 's and they referred me to the customer service number. After another statement of late fees, today, XX/XX/2023, I contacted Kohl 's customer service and spoke with XXXX ( XXXX # XXXX ) to address the issue again. and she concurred my correct XXXX XXXX, MI address was in the system but would only refund me two of the three late fees, though she also confirmed they continued sending the bill to my parent 's home. I should not be required to pay a fee for their miscommunication.

Company response to consumer: Closed with monetary relief