BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: The CMI Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Credit Management LP in XXXX in regards to the validity of the alleged debt. Followed up in XXXX to see if the company had received any word from XXXX regarding the {$290.00} outstanding balance. I have never received a copy of the signed contract or showing that the debt belongs to me and as of XX/XX/21 the account was listed on my credit report as a collection and not reported that I disputed the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
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 XX/XX/2021 XXXX/XXXX XXXX sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, XXXX, Equifax separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. XXXX, Equifax and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BANK OF AMERICA REPORTED CHARGED OFF CREDIT CARD THAT I HAD NEVER BEEN APPLIED NOR ASSOCIATED WITH. I MADE DISPUTE WITH BANK OF AMERICA AND 3 CREDIT BURUEAS AS WELL. BANK OF AMERICA SENT ME LETTER STATING THEY DECLINED FRAUD CLAIM AND DIFFERENT AMOUNT WHICH IS WAY LESS THAN WHAT IT REPORTED ON MY CREDIT REPORT. 
ON MY REPORT IT REPORTED I OWED {$21000.00} BUT LETTER BANK OF AMERICA SENT WAS {$17000.00} THIS HAPPENED LAST YEAR WHEN PANDEMIC STARTED AND DUE TO THIS WRONGFUL INFORMATION ON MY CREDIT REPORT I WAS NOT ABLE TO OBTAIN ANY LOANS SO I LOST MY BUSINESS. THIS IS SOMETHING NEVER LET IT HAPPENED AND ALSO THEY DID PUT JUDGEMENT FOR WRONG AMOUT AS REPORTED. IM ON PROCESSING OF WRONGFUL JUDGEMENT. 
PERSON LIKE MYSELF DO NOT HAVE POWER AND BIG COMPANYS DONT LISTEN TO WHAT PROBLEMS IT CAUSED TO WHOLE FAMILY BECAUSE OF WRONG INFORMATION ON MY CREDIT REPORT. I HAVE NEVER MADE 1 LATE PAYMENT AND NEVER HAD ACCOUNTS WITH BANK OF AMERICA. 
THEY CLAIMED THEY VERIFIED BUT WHAT CAN THEY VERIFY AND WHATS THE OUTCOME OF VERIFICATION. THIS MADE MY WHOLE FAMILY LOST WORK AND BUSINESS. MY OTHER CREDIT CARDS LIMIT REDUCED BECAUSE OF THIS INCIDENT NO ONE HAS TAKEN REPOSIBILITY OF. 
AS I HAVE RIGHT TO ASK HELO TO SOMEONE WHO HAS POWER TO LOOK INTO THIS AND I CANT JUST WAIT ANY LONGER AND FIGHT WITH BIG BANK LIKE BANK OF AMERICA. 
BY THE LAW THEY HAVE TO MAINTAIN ONLY ACCURATE INFORMATION REPORTED TO CREDIT BUREAUS BUT THIS CASE THEY ARE NOT DOING ANYTHING BUT WRONGFULR JUDGEMENT AND WRONG INFORMATION REPORTING. I NEED HELP ON THIS MATTER IM XXXX YEARS OLD AND THIS IS IMPACTING A LOT ON MY FINANCIALS WITH SOMETHINGI HAVE NEVER DONE WITH. I ASKED THEM TO PROVE I APPLIED AND DOCUMETNS WE SIGNED OR ANYTHING BUT NEVER PROVIDED ANY VERIFCATION OF 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 2018-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 my wife received a phone call from a company claiming to be XXXX XXXX XXXX ( XXXX XXXX on the caller ID ), they said our I-tunes account had been hacked and that we were facing the potential loss of {$10000.00}, but that they could help stop this hack if we gave them access/control of our computer and purchased XXXX XXXX  cards. The caller claimed that if my wife gave them the numbers on the XXXX XXXX cards they could track the supposed hackers. They said they would not use the XXXX XXXX card numbers but would only use the card numbers to stop the hack and then my wife could return the cards to the store for a full refund. They sent my wife an e-mail and she followed a link to give them control of our computer. They stayed on the phone with my wife while she drove to town and purchased 2 XXXX XXXX cards at {$500.00} increments ( {$1000.00} total ) using our Wells Fargo Debit card at the local XXXX. She gave the person on the call the card numbers. They said this reduced our financial exposure down to {$7500.00} but that we needed to get more XXXX XXXX cards to stop the hacker. The person on the phone told my wife to go to a different grocery store where she purchased 3 more XXXX XXXX cards at {$500.00} increments ( {$1500.00} for all 3 ) using our credit card. At this point the credit card company called my wife to determine if this charge was legitimate, she realized that she was being scammed and the credit card company was able to immediately reverse the charges. She then hung up on the caller who was scamming her and she verified that they had drained the funds from the XXXX XXXX cards. When she got home she called Wells Fargo immediately and reported that she had been scammed and that they began their investigation but told her on the phone that it was doubtful that the money could be returned because of the circumstances. On XX/XX/XXXX we received a letter from Wells Fargo informing us that they would not reimburse the money since the transactions were correctly charged to our account. We reached out to our representative at XXXX XXXX  to ask what can be done to resolve the impasse with Wells Fargo, they recommended that we submit a claim to the CFPB to see if you can help us negotiate with Wells Fargo.

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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
In XXXX I have been in contact with my creditor regarding my ability to pay my bill during the Covid epidemic. They removed late payments but not the credit reporting. 
It has been OVER 30 days and the creditor/ Kohl 's has not updated the information nor has provided documentation in regards to the late payments in my account They have not supplied this information and must delete the alleged late payments on my credit report. 

Under Federal Law they had 30 days to complete the investigation and in failing so must delete the late payments from report ASAP Under U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) CARES ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PNC Bank N.A.
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my home in XXXX utilizing Compass Bank with a physicians loan. We refinanced for a better rate in XXXX. So I had a loan with Compass Bank from XXXX. In XXXX of XXXX my husband and I applied for a HELOC with XXXX XXXX  against our house. Their loan department found out that Compass Bank never released the lien on the house to XXXX County. Compass Bank was contacted and informed about their mistake. 

Myself and XXXX XXXX  continued to check with XXXX County Register of Deeds and they never received anything. I called again on XX/XX/XXXX and Compass Bank assured me they sent it on XX/XX/XXXX but I explained to the representative that the county did not have it. Compass Bank said they would escalate my situation and gave me a ticket number. They had also given myself and my loan officer from XXXX XXXX  a contact ( XXXX XXXX XXXX ) that throughout this process I have personally called at least 20 times and left messages as well as my XXXX XXXX  loan officer has tried to call. Neither one of use ever got a return phone call and XXXX never answered her phone. 

On XX/XX/XXXX I called Compass Bank again with my loan officer from XXXX XXXX. We were told that the lien was resent on XX/XX/XXXX. When I called and spoke to XXXX county that day they still had not received it. We then asked the customer service representative what address the lien was sent to and we found out they sent it to the wrong address. We gave the representative the correct address and again was given a ticket number and was told they would " escalate the situation ''. The supervisor that would handle the issue is only allowed to be communicated with an internal email and we were not allowed to communicate with them. I was told to call back the next week to confirm Compass Bank actually did their job. 

I called Compass Bank back on XX/XX/XXXX. I was transferred 3 times because the costumer service agents told me even though I had a ticket number because my account was closed in XXXX they could not help me ( this was a new one ). The third agent could finally look at my file and could not confirm if the lien was resent to the correct address. While on the phone with me she tried to contact XXXX XXXX as I guess she was the agent in charge of my case and could not reach her. The customer service representative then did the best that she could and assigned me a new case and a new agent. Unfortunately, this still did not resolve my issue. I was assured I would get an email in 2 business days... we will see. This process has been more then frustrating and not to mention the time employees of XXXX XXXX  and myself have spent trying to fix Compass Bank 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
YOU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!.

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 2023-04-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX. I sent them a letter, with a copy of all the inquiries made from this company, asking them how did so many inquiries appear on my credit report ( experian ). 
XXXX XXXX is showing multiday times during the day and week and months that I checked my credit. This is false and it is fraud. 

I do not use XXXX XXXX. 

The letter with copy of data was returned to me, stating the building is vacant. 

This is the same address which appears on Experian. 

False advertisement is being used that you can check as many times and it will not hurt your credit score. That is a lie. It does. 

The address I used and which is on the Experian credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. Vacant. Unable to forward.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: DE
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 account # XXXX XXXX, XXXX  XXXX acct # 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

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See document attached

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 2023-11-01
Company: Reliant Capital Solutions, LLC
State: MI
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:
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
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:
I have complained and disputed these charges multiple times and I will continue to as long as they remain in my credit. This company lied from the beginning to get my business then reported over {$1400.00} late for XXXX that they failed to discuss with me first because I couldve very easily handled it. Now they are ruining my credit by continuing to report late payments. I requested to lower payments for a few moths before I got behind in payments to avoid getting behind and they allowed me to only to report that I am late on my credit and continue to damage my credit. Everybody complains about this companies disgusting behavior and nothing is being done about it. This needs to stop now.

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 2021-07-28
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX National Management Recovery Corporation called my last employer, XXXX and told the XXXX I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by XXXX and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. XXXX sent an email stating my debt had been sold to National Management Recovery Corporation on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.

Company response to consumer: Closed with explanation