BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: UT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-15
Company: Ditech Financial LLC
State: GA
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:
My husband & I were previously with Greentree in XX/XX/XXXX when we purchased our mobile home and then Di-tech Financing took over. Greentree did not give a notice or notify us ahead. We have had our home since XX/XX/XXXX. Our total principal balance was XXXX & we still currently owe still XXXX yr of XX/XX/XXXX. Less than 1/2 of our payments goes towards the principal balance. ( XXXX Monthly ) They are under a lawsuit @ this time and some consumers or customers mortgage loans has been paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Chase Sapphire Preferred ( CSP ) card on XX/XX/XXXX ( approximate ), and the sign-up bonus is XXXX UR points for spending XXXX dollars in 3 months. After getting the XXXX bonus, I discovered that my friend had a better sign-up bonus - XXXX points after spending XXXX dollars in 6 months. So on XX/XX/XXXX ( approximate ), I called Chase customer service to ask whether I could get that offer. At that time, the customer service person admitted that there was indeed a better sign-up reward offer and said that after I completed the task of XXXX dollars, I could contact customer service to ask for the additional XXXXXXXX XXXX His tone was pretty sure ; it sounded like I would definitely get the extra reward if I could finish the task. I called Chase again on XX/XX/XXXX ; their reply was the same as the last time. 

I finally completed the task of XXXX dollars on XX/XX/XXXX, and I called customer service with great anticipation to ask for a reward. However, at this time, the customer service person completely denied the XXXX offer. After discussion, finally, she agreed to submit an application for me, but it would take two weeks for others to approve it. On XX/XX/XXXX, I called Chase to check the status of the application. The reply is that they refused my XXXX offer. 

I am very disappointed. If Chase people do not want to give me the XXXX offer, they could have refused me earlier on XX/XX/XXXX or XX/XX/XXXX. On the phone, they could notice that I had a chance to get rejected for the offer. However, they made me feel that I would definitely get the XXXX offer. To complete the task of XXXX dollars, from XX/XX/XXXX to XX/XX/XXXX, I almost used the CSP card for every spend. If I had known the danger of the XXXX offer before, I would use other credit cards, which can generate much more reward points than CSP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit adjusters has reported a delinquent debt of {$1500.00} on my credit report from XXXX. I have no knowledge of this account and was never informed of this being reported. I recieved zero letters about this collection, I only found out about it after checking my credit report in XXXX of XXXX. I sent a letter to the company asking for validation of this debt in XXXX of XXXX. The company never responded. It is now two years later and this remains on my report and I have no idea where this came from. This debt is not mine and I want this removed off of all my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a past due amount due to the Retreat at XXXX XXXX XXXX that was transferred to Fair Collections and Out for collection. I have settled this account and paid it off. I was sent a deletion letter and told my credit report and my rental profile would be updated. The account still shows on my credit report and, when my credit profile is checked, the eviction still shows.

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 2023-03-20
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:
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 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 2021-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Paramount GR Holdings, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed a complaint about Goodleap before. They are threatening to hurt our credit. We have had to move into XXXX XXXX  due to my XXXX that I was diagnosed with approximately 10 years ago. They put a lien on our house immediately after paying the huge loan to pink energy that was done fraudulently and knowing pink energy was failing. Both of are elderly and I believe we were targeted due to our age, our lack of knowledge, my XXXX and the fact that we owned our home. XXXX XXXX and Goodleap could only win. XXXX XXXX got all their money snd Goodleap will get most of our life savings we out in our home and now we need to sell it and no one will touch it because of the over XXXX loan. They are good at twisting it so it sounds like its a problem with XXXX XXXX when the problem is if their tactics of easily giving these huge loans we cant pay. Two companies win and we lose everything because they lie and cheat. We were targeted for this loan. We ask to be released from this loan due to all this. Goodleap has the attorneys. They have the money. They have everything they need to get the money back from XXXX XXXX. We dont and cant. I know pink energy filed bankruptcy but Goodleap has the wherewithal to fix this. Please help us out of this nightmare we are in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Financial Credit Network Inc
State: AZ
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Financial Credit Networks, demanding that they verify | validate a collection account they are reporting to XXXX, XXXX and XXXX.

In three ( 3 ) separate letters, I disputed that this is not my account. I've demanded that FCN provide me with an application, contract, consent forms or financial responsibility form, bearing my signature, validating that this is my accoun | debt.

FCN, has not provided me with any of the documents that i requested. FCN continues to violate the FCR by not providing me with these documents to validate this collection. FCN continues to report inaccurate information to XXXX, XXXX and XXXX. When XXXX, XXXX and XXXX have requested FCN to verify the debt, they respond to them with verified debt, knowing that they have not verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When I bought my car in XXXX of 2013 and financed most of the purchase price Wells Fargo Dealer Services I was forced me to buy " Gap Insurance ''. 

The insurance was never fully explained to me, I was not told that the insurance was an option and not required, and the representative at the Dealer told me that if I did not accept the " Gap Insurance '' then they could not finance the purchase of the vehicle. 

Because this was all disclosed at the last minute while signing the purchase/ finance agreement documents I had no choice than to accept the terms.

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 2018-10-10
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Sunday XX/XX/XXXX at around XXXX XXXX  XXXX XXXX from Kia Motor Finance called me the consumer/creditor per 15 USC 1692 ( a ) 3 1692 a ( 4 ) in an attempt to collect an alleged debt of {$630.00} for a XXXX XXXX XXXX Upon the initial phone call the agent was vague in her nature of the call and failed to immediately identify why she was calling and what she was calling in reference to. After informing the agent that I am the creditor per 15 USC 1692 ( a ) 4 and authorized representative for the account in question, XXXX XXXX became combative and irate telling me that what I was stating was not the case and that by " law '' she had every right to contact me and would continue to do so. This call was made to me as the consumer after XXXX XXXX located at XXXX XXXX XXXX, XXXX NC, XXXX received a notarized Notice of rescission per 15 USC 1635 along with a a certificate of service via Certified US Postal Mail number XXXX XXXX XXXX XXXX XXXX which was received by the seller XXXX  XXXX  on XX/XX/XXXX as evidenced by the tracking number. I am seeking damages from KIA MOTOR FINANCE for the following Consumer violations under Title 15 : 1692 c ( a ) ( 1 ) 1692 d 1692 d ( 2 ) 1692 d ( 6 ) 1692 e 1692 e ( 10 ) 1692 e ( 13 ) 1692 f 1692 f ( 1 ) 1692 g ( a ) ( 2 ) 1692 g ( a ) ( 3 ) 1692 g ( a ) ( 4 ) 1692 g ( a ) ( 5 ) 1692 g ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two transactions XXXX for XXXX and XXXX for XXXX were made thru zelle using my bank account on XX/XX/23. I didn't authorize these and someone hacked my account and was controlling my phone. I reported it to bank of america immediately and because i have made other transactions which i authorized before to my daughter they said ot was valid. Bank of america didn't even follow the transaction to the bank it was made too.

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 2020-09-27
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-08-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief