BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting inaccurate information or changing my account mid way. My accou t with XXXX ( XXXX ) on XX/XX/XXXX reported to all buearus the new amount balance of {$2000.00}. 

All three buearus have it correct except Equifax because on XX/XX/XXXX they report the old amount due from XX/XX/XXXX report of {$4900.00}. I called the lender three times, on XXXX, XXXX and XXXX and they confirmed they do not report more than once and do not know why they changed for XXXX, XXXX balance for XXXX. I called Equifax and as usual they are clueless and said the lender reported it but if i spoke to them it has to be there enturnal problem and system. 
This is a violation of the XXXX, where information on my report should be accurate about the consumer. This is hurting my credit score as well as reporting false information about myself. please update this immediately. 
Thank you in advance for your help and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: Financial Management Solutions, LLC
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:
I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I want to take those hard pull of my credit 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 explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-09-14
Company: Klarna AB
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Klarna has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because Klarna XXXX XXXX XXXX are stating that I owe a debt when I do not and Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me Klarna needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice from First Credit Services ( FCS ) on XXXX XXXX XXXX ( Gold 's ) behalf, in the amount of {$110.00}, for 5 ( five ) months -- XXXX, XXXX, XXXX and XXXX, XXXX and XXXX of XXXX with respect to Membership Agreement # XXXX, dated XX/XX/XXXX. This is not my responsibility. Please see the attached invoice - XXXX History debit/credit card voucher containing Mr. XXXX XXXX XXXX ( XXXX XXXX ) financial information. I have never received a call or bill from XXXX XXXX XXXX concerning payments. The last time I used XXXX XXXX XXXX was approximately the end of XXXX or very early XXXX. It is apparent that XXXX XXXX XXXX is trying to obtain payment from me because it has been unsuccessful in attempts to reach Mr. XXXX for payment. Please let me know if you need assistance contacting the responsible party to come to a reasonable solution in this matter. 

I responded to FCS informing them that this is not my account via letter dated XX/XX/XXXX. FCS responded to me on XX/XX/XXXX, with a contract that does not contain my signature, as well as the aforementioned invoices - XXXX History statement. 

Additionally, the gym was shut down in XXXX due to the ongoing pandemic COVID-19 ; and yet XXXX XXXX is billing Mr. XXXX for XXXX, XXXX and for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX has violated the FCRA. On XX/XX/2023, the XXXX XXXX that was financed with the company was totaled by a rear end accident. I made payment for the XX/XX/2023 due date. The other car 's Insurance company, XXXX XXXXXXXX XXXX requested a Letter of Guarantee on XX/XX/2023. The amount on the letter was incorrect. The Insurance company requested for the updated letter on XX/XX/2023, where they were told a letter would be issued within 3-5 business days. Since this date, the insurance company has called 5 other times to receive the letter and was told 3-5 business days. I called the finance company around XX/XX/2023 as the payoff of the vehicle has still not taken place. When speaking with customer service, I had requested an extension/deferment of payment. I was informed one could not be applied due to the age of the loan ( I bought the car in late XXXX of XXXX  ). I was informed that as long as it was paid off within 15 day after the due date of payment, no penalty would be received. I understood and agreed. Come XX/XX/XXXX, I found out that the finance company has still not received the letter of guarantee with the correct amount. I called the finance company and spoke to a Manager Named XXXX XXXX who would not provide his last name ). I got the run around that it would be 3-5 days to get the letter of guarantee to pay off the car. Plus, I've now received a late payment fee and a negative hit against my credit score, when this should have all been resolved in XXXX. I received a letter in the main indicating the pay off due to the totaling of the car hasn't occurred yet ( well, I'm still missing the letter of guarantee for the insurance company ). The manager refused to escalate the issue, I waited 3-5 more business days and have still not received the letter of guarantee. The next payment due is XX/XX/2023. Anything better than agreed on my credit is unacceptable. This company has violated my rights as a consumer and should immediately rectify this issue. Due to their willful failure to comply with FCRA requirements, the company is liable for actual or statutory damages and punitive damages as they are destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX is not reporting correctly, Equifax has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2019-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Date of occurence was XX/XX/2019, XXXX $ scammed via a online fake puppy website for pugs, it was under my belief that it was a licensed breeder in another state. Payment was to be through XXXX and as it had me login to my Bank of America account the scammer had an account to receive funds I had assumed. All of it seemed that it was safe, as I did not think a Bank would work with an App that was unsafe.I had became concerned and reached out to a BOA rep in the fraud department an hour or so after the occurence. It became apparent it was a scam, after the fake breeder informed me I would need to pay XXXX $ for a specific puppy crate, that is when I contacted BOA to relay my concern for a second time.Unfortunately the website XXXX is still up and I have reported this to multiple sites to flag this. Hopefully to prevent this from happening to others.

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 2023-11-21
Company: EQUIFAX, INC.
State: LA
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:
XXXX contact XXXX bank to verify an account that was showing on my credit report turns out the account belongs to my twin brother and they did not receive or report false information and that the issue falls on credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
On XX/XX/2021 I requested that both the credit reporting company and XXXX investigate the account that is listed in the letter and have not heard anything back from them in about 120 days

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to tell you that I had not heard about any specific action taken by you to re-verify the items I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-10-23
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a text message from Randolfph Brooks Federal Credit Union that a transaction in the amount of {$1600.00} had been approved to clear on the morning of XX/XX/2023. I waited until the bank opened and reported that an authorized transaction had been made to my checking account in the amount of {$1600.00}. The credit union representative contacted the fraud department and she informed me that the amount was taken out by an electronic check and the credit union was unable to reverse the payment therefore I would have to file a fraud complaint. I filed the complaint and closed the checking account and opened up another one with a different account number. The RBFCU fraud department has contacted me on several occasions asking me to tell them what happened, they have required me to sign an affidavit and a police report ensuring me after all this is done the money will be returned to my account. Today is XX/XX/2023 and I just read an email from an individual by the name of XXXX XXXX informing me that the credit union will not be refunding my money because the XXXX XXXX XXXX XXXX  was correct this is a civil matter and I should take it up with the local court jurisdiction. I never asked the credit union to act on my behalf as a mediator or to decide to involve themselves in my personal business matters of who, why and how I owe a creditor. I asked them to stop payment on an amount of {$1600.00} that was taken out of my account without my authorization. An unauthorized transaction is THEFT. I am unable to pay my mortgage an other bills that I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. XXXX  account # 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 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. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. 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 2023-04-18
Company: Experian Information Solutions Inc.
State: MA
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2018-10-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My FICO score dropped significantly due to unpaid debt to a XXXX credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX XXXX card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX* XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief