BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
This is follow up to Complaint # XXXX! 
XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint. 
" In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: RICHLAND HOLDINGS, INC.
State: NJ
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:
I am writing this letter to file a formal complaint regarding an ongoing dispute with ACCTCORP OF SOUTHERN NV, an account that I had disputed with XXXX. I am deeply concerned about the inaccurate information presented in the original documents provided by ACCTCORP OF SOUTHERN NV during the verification process. 

On XX/XX/2022, I initiated a dispute with XXXX regarding an account held by ACCTCORP OF SOUTHERN NV. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that ACCTCORP OF SOUTHERN NV verify the information they were reporting. Subsequently, ACCTCORP OF SOUTHERN NV responded by sending over what they claimed to be the original documents related to the account in question.

Upon reviewing the documents provided by ACCTCORP OF SOUTHERN NV, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by ACCTCORP OF SOUTHERN NV.

Attached to this letter, you will find copies of the documents sent by ACCTCORP OF SOUTHERN NV as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by ACCTCORP OF SOUTHERN NV. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.

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 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes another complaint on the same topic, because you didnt do your job the first two times. I sent in a second complaint on this topic and you said it was a duplicate. Well, XXXX. If you had done your job the first time, I wouldnt have to file a second complaint. Since you still didnt do your job the first two times, I have to file yet a third complaint. 

Maybe if you would just do your job I could stop filing these complaints? Maybe you could call me back. You keep saying call us. Well, I do, but you are too important to talk to me on the telephone. And evidently you are too special to call me back. I dont know why you are so lazy, but it is just insulting to not talk to me on the telephone when you are the people that say you want me to call you. 

The complaint is the same. Bank of America has still not sent me a 1099. They did send a financial summary, but it was not a 1099. I had to add up all the figures myself. Do you realize that I still had to pay PMI even though I only owed XXXX XXXX dollars on a loan for XXXX XXXX dollars? Doesnt that seem a bit unfair to you? 

I have dealt with Bank of America for over 13 years. They never answer a question. They just say they will send a message and someone will get back to me. When they say they will send a letter, it is always the same letter, and never addresses the specific issue at hand. For example, why did the PMI on one loan go down every year, while the other PMI stayed the same? 

Nobody ever knows anything, and nobody answers the specific issue at hand. I can only hope Senator XXXX XXXX comes up with new legislation in this Senate that makes Bank of America follow the rules. A multibillion dollar organization, thousands of employees, a CEO who makes more money in a week than I will make in my lifetime, yet a bank too stupid to figure out how to print out a 1099 and send it to me.

I have never been able to see any of their responses because the user id is wrong and I can not change it. So knock that off. Just tell them to send the 1099, and obey the rules. I dont need more messages from those idiots ; I just need them to do their jobs. 

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 2023-11-29
Company: EQUIFAX, 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 request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Initiated refinance process with Cardinal Financial on XX/XX/XXXX. Loan still hasn't closed. Company is not very responsive. I've been promised prompt follow-up to my open issues and often received no follow-up at all. I am the only one keeping this process moving but at this point it has grinded to a halt and I have no idea why. I was told that the closing would include payment of my second installment of property taxes, but their extreme delays in closing caused me to miss my property tax payment deadline, so now I'm facing a {$1000.00} late payment penalty from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

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 2023-11-29
Company: EQUIFAX, 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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$44000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased furniture online. The merchant, XXXX XXXX, opened an account through Genesis FS in Oregon to charge the purchase to. The purchase was returned to the store because the color was wrong and not what was described as online. I immediately disputed the charge and the Genesis put the charges on hold. They finished their review and denied my claim. In the meantime, XXXX XXXX had picked up the furniture and now Genesis FS is charging me for a purchase I no longer have. I tried to discuss this with Genesis but they said they couldn't help me any longer. i have been battling with XXXX XXXX and Genesis FS for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
please remove the unauthorized inquiries stated in my letter

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: NV
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My mom 's storage unit was broken into back in 2020 and she had a file cabinet that had all of our birth certificates, ss cards and other personal documents that could not be found when we were notified of the deft. This has been preventing me from being able to move out on my own. I have tried disputing numerous times but to no avail.

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 2023-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies. 
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 explanation
Consumer complaint received 2022-03-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter back in XX/XX/XXXX for a bill receive in XX/XX/XXXX for my XXXX ur old daughter. The bill was not submitted to the wrong insurance and was rebilled to the correct insurance. Once the bill was paid I received a copy of it paid in full to the XXXX XXXX XXXX XXXX who submitted it to Wakefield and Associates Debt agency. The bill knocked my credit score down. I recently received a credit report pull showing this same company who reported the Same debt under a different company name XXXX same amount under a different name. I contacted Wakefield about this matter with proof it was paid with a copy of the payoff letter. They agreed to remove this debt and unfortunately the damage is done to my credit again ( XXXX points ) after I have established good credit for XXXX a month from closing on my new home for a second pull for a better rate. Now instead it will show a collection if not remove by XX/XX/XXXX. I have worked hard all year now even they the agreed to remove it my points are gone. And now XXXX cant get them back and all they can say is sorry the credit bureau stated that they may not give me all my points back which is very very unfair because I earned all those points paying my debts a need credits. I am so enrage and very upset my family needs a home I am a single mom with XXXX kids and these sorry people done this without fact checking even if they do remove it I am doomed to start over on points from their mistake which they admitted to being slick trying to collect extra money. I am furious I have worked so hard for them to do this. The company Wakefield and associates tried to change the name of the company to make it look like another company I owe debt to when its the same company different name change which has been satisfied by payment in XXXX and was removed and now this debt appeared again. I am livid over my points and score change for no reasonable cause due to human error. So I want my same amount of points that was taken placed back when the collection said that they promise to remove this and has not been removed at all three credit bureaus. I earned my points fair and square. PLease do something about this fraudulent company reporting. Thanks very upset consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NJ
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 12 months to no available. I have been disputing 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 : 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