BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: Innovate Managed Holdings, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, i have a lease with XXXX XXXX XXXX, i called them and asked about pay off letter on my car. Same day a paid my car off. I have a payment confirmation. In few days i called to ask when i will get my title. They told me in 10 days. In 10 days i called and XXXX is out of business. And now there is the company Innovate Auto Finance. They told me i will have my title up to 45 days. But its already 50 days. I called them every day and the keep telling me they don't know what the problem is, Where is my title they didn't know and a lot of different stuff. XX/XX/16 they send me Letter of guarantee that i payed off the car. But i need a title, and i don't know how i can get it because they keep telling me some bs stories

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have written letters to XXXX, Transunion, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.

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 2023-09-08
Company: Credit Karma, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
I was told in last complaint that credit karma sent me a digital card for XXXX $ via email and that was untrue I never received any email with any sort of digital payment I save all my emails in case for years I pay for extra storage on my XXXX and XXXX drives to save stuff like this just in case. I find it odd I have all emails for that date from all inboxes ( spam, trash, etc ) but yet I do g have that XXXX email tons of junk e-mail but not that one- they lied payment was never sent they lied to get the case closed- so I open another one. Yet they never offered a way to get another just in case email failed to go through or whatever. Especially since I have been emailing support and asking if there are updates and no one has gotten back to me.. Ive emailed several times since XX/XX/23 and I always cc myself I have those emails just not the one you said you sent- because Im my opinion you did t send it, if you did why didnt someone respond to my emails already saying payment was made??? Because it was not. I wont go away

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am having issues with missing information on my credit report. I have aXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX, SS XXXX. My account is not showing on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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 believe I am a victim of identity theft American Express, XXXX XXXX, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status...

They're purporting a debt under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paid off balance credit line remains on my credit report WELLS FARGO Last reported XX/XX/XXXX Date opened XXXX XXXX ( XXXX yrs XXXX mos )

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 2023-01-12
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:
I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my XXXX XXXX. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act XXXX XXXX, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section XXXX, please remove the disputed accounts and information from my XXXX XXXX as soon as possible.

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 2021-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU.

YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ). 

IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR. 

INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
This account NEEDS to be showing In Dispute. I have disputed this many times and it should be showing that. Furthermore, XXXX stated this was verified by the creditor via their response on XX/XX/XXXX via CFPB, verbatim. However, they have not accurately reported said verification. As you can see, with the report as of XX/XX/XXXX, I am showing a last verified date of XX/XX/XXXX. This is negligent and inaccurate reporting to my requested investigations. If it was verified, it needs to be updated. Also as requested, if it was in fact verified, per the FCRA I would need to have received investigation results and proof of verification showing alleged late payment, but this creditor did not provide that. 

This displays at least 3 major reporting violations. I would be happy to submit an FTC report to report non compliance with federal reporting laws. 

As you can also see in the highlighted report, XXXX did not even show what month they are stating the payment was late for. This is yet another error. 
_____________ This issue that has occurred was I traded my vehicle in. The new vehicle dealer was in possession of the car as it belonged to them. I sold it to them to obtain a new vehicle. This alleged late payment is completely inaccurate.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are late payments on my report without my consent or knowledge.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. 
The text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. 

Where my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. 

2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. 
However, 2 hours later I received another email saying that the wire transfer had been processed. 

The stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. 

XXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. 

Chase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. 
They couldnt even provide a letter that possibly would have gotten me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2020-12-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2023, XXXX charged me a late fee of {$30.00} and again in XX/XX/2023 for {$37.00}. I repeatedly asked for an electronic address for payments and they did not provide. My payments were mailed from my bank account at least two weeks prior to the due date. Frequently, I received no statement or a statement that arrived within a week of the due date. Their billing practices are the worst I have ever experienced. 
I called customer service and was told the fees would be waived. I called every month to complain that they were not removed and was told it could take two billing cycles. 
My promotion ended XX/XX/2023 and the fees remained. I made my final payment on XX/XX/2023. The fees were finally removed on XX/XX/2023, however the promotion ended and they are now charging me additional late fees and interest that would never have appeared had they waived the fees six months prior. 
I have talked to customer service and supervisors that don't understand what had been done. I opened a dispute and wrote a letter. All being ignored. 
My most recent statement shows a balance of {$330.00} which is all based on the fees that they never removed until after the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$19000.00}

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