BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: ME
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/2022 I filed a dispute with Equifax about DIVISION OF SUPPORT ENFORCEMENT, It is reporting as a closed collection with a past due balance and late payments. I disputed this with a list of ALL payments made going back to when I agreed to pay the amounts I do. This is paid via a garnishment on my paycheck. The state of XXXX  takes the payment for the past due amount " arrearages '' of the first case that the kids are now over XXXX and not in school and XXXX is taking out for the current order on my younger daughter and I have elected to pay more then the amount agreed every week. On XX/XX/2022 I was sent a PDF dispute result from Equifax and the balance was changed, the payments were listed and the account status was changed to open. It is still being reported on my actual report as closed collection with a balance and past due amount. This I believe is unlawful and being report incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly I have received phone calls from Portfolio Recovery. I answered one of the calls, and called independently, to tell them I have not debt, have a perfect credit rating, and they must be mistaken. They told me they will take me off the list of theirs. I still get the phone calls, once or twice a day. I have not owed anyone any money, have no debt and this is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Account was paid in Full by my Insurance .My Lawyer has a letter from the XXXX XXXX XXXX XXXX  account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
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:
In XXXX of 2020 One Main FinanciaXXXX added a late payment on my credit report even though they were made aware more than once that I was out of work due to XXXX XXXX. I work in the transportation and hospitality industry which was adversely impacted by the pandemic. When I recently contacted them they acted like they could care less and stated that they wont remove the item even though they know how hard 2020 was for everyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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:
There is an account with number of XXXX by XXXX XXXX XXXX XXXX that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under XXXX XXXX XXXX XXXX was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe XXXX has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi - My bank authorized $ XXXX to be taken out from my account on XX/XX/22, the teller obviously did not make proper questions nor screened the individual before giving away the funds. I have possession of my debit card and pin as well as my driver license and I can not imagine what was asked to identify for this transaction. Besides the monies withdraw was in an are where I have never been before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: HW Holding, Inc
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:
XX/XX/2022, HUNTER WARFIELD has violated my consumer rights. Hunter warfield has broke the laws of the Fair Debt Collection Practices Act. I want monetary relief. I have attached my affidavit and invoice. I have attached a copy of the validation letter that was sent to a address that is not mine as well. I cycled the laws that have been broken and labeled the laws next to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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:
3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point

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 2022-02-12
Company: EQUIFAX, 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 appreciate if the CFPB do not closed this complaint until Equifax has resolved this problem. I have requested over 4 to 5 times Equifax explain the discrepancy in their Fico score and the other two credit reporting agencies. Here are the scores for XXXX XXXX XXXX, and XXXX XXXX, while Equifax have my score at XXXX with the same accounts. this is a large discrepancy the I wish be corrected immediately. This is causing issues for me to purchase and job opportunities. Equifax has all the information needed to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX XXXXXXXX where i got the inquiry from and XXXX XXXX tells me to call XXXX to get the inquiry removed and XXXX tells me to call XXXX XXXXXXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.

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 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 had a credit card from Bank of America ( BoA ) beginning in XXXX. I received an in-app offer in XX/XX/XXXX that my card may be upgraded without a credit check or change of card number, the reward points offerings were considerably less, however there was a deal for spending {$1000.00} in a three month period and receiving {$200.00} worth of points. I agreed and the time period was set for XX/XX/XXXX- XX/XX/XXXX ( around 2.5 months, interesting ). 

I have tracked all of my purchases and returns on the card and the net positive purchases was a total of {$1000.00}. I proceeded to use different cards once I reached the goal. 

I have called the bank 6 or 7 times about this issue and spent countless hours on hold just to receive no assisstance. One manager even counted the purchases and returns with me and concluded they made a mistake so he sent a request to the department that can review the transactions and correct my rewards points. Two weeks later and they said no I did not reach it, they won't say by how much I missed it or what charge isn't considered. 

On my last call to BofA, they said they dont have a record of this offer and can't escalate this again. Luckily for me, the department that initially reviewed me sent a letter with the dates of the rewards period and acknowledging I did have the offer and saying I did not reach the required {$1000.00} spending. However there were no details, such as only spending {$950.00} out of {$1000.00} or {$850.00} out of {$1000.00}. 

A final count of all of my purchases subtracted by returns is a total of {$1000.00} which is greater than the {$1000.00} minimum needed for the bonus offer. I would not have upgraded my card because the original had a better cash back percentage but this offer was too good to be true I guess. 

They also have hung up on me while I have waited an hour on the phone. Truly disrespectful. I am available to send all of my transactions and the letter from the bank stating I did have the rewards offer that they currently claim doesn't exist.

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 2022-02-13
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received letter from GC services stating alleged debt. I had until XXXX to respond to letter. I responded XXXX, it was received and uploaded in my chart XXXX. Called days after to confirm receipt. Spoke with a young lady who stated that the dispute was open and the collection activity would be put in a hold status until client gets back to them. XX/XX/22, the collection posted to all 3 credit bureaus. Called XXXX, spoke with a young man who stated that it was the companys fault and it should be fixed shortly. Waited a couple days and called back. I was told that although i disputed debt, it would still post to my credit report and keep posting until noted otherwise. Spoke with XXXX XXXX, a supervisor, who stated that they were holding up their end of the bargain. He stated that although I responded in time, it was normal business practice to report to credit bureaus. I asked how long will this take. As long as it takes XXXX to send proof. Horrible company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2019-10-02
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: Information belongs to someone else

Complaint:
TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES EQUIFAX 7 FALSE INQUIRIES AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is addition to my earlier complaint number XXXX. 
I had tried the XXXX time ( to obtain free annual credit report from Equifax through XXXX site ), they refused me twice, the third time they demanded I receive a text message from them. 
I do not have active phone! 
I do not plan to have active phone for a while. 
I do not need to have an active phone to receive my free annual credit report online! 
This is not what the law says. 
This is implementation of tracking and XXXX social credit system. 
The are acting unlawfully. Even if I had a phone number now I would not use it and I do not authorize Equifax to text me, it's none of their business what is my phone number either. 
I was not asked any of the usual identity questions by Equifax before refusal, only my email and phone, which are none of their business. 
I do not want to communicate with them by phone or them sell my email and phone or leak them. 
Also, no alternative had been provided, except one link which had lead to blank page with HTTP error message 404. 
I already provided full identifying info to AnnualCreditReport site, my SSN, DOB, address, name : this is sufficient to identify me for free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was the victim of a scam. 
I believe that Chase Bank could have prevented this scam and my loss of {$10000.00}. 
The scam began on the computer with a bogus email from XXXX XXXX '. I was told I deserved a refund. Online they asked me to put in the refund amount of {$480.00}. Immediately it went to my Chase account login. At that moment, I shut my computer down. The scammers moved {$48000.00} from my savings account to my checking account. 
My first call was to Chase to tell them what happened and close my accounts. 
COMPLAINT : I never received a verification number or any notification from Chase that a large amount of money was being moved from my savings to my checking account. 

My next call was to XXXX XXXX to find out how to be sure my computer was not still in the hands of the cammers and did not have a virus. I looked up the number for XXXX XXXX on my XXXX. The number I called was the scammer. I have no idea how he got into my phone. I thought I was talking with XXXX XXXX. 
He told me to go to Chase and withdraw {$11000.00}. I have been a Chase customer for 50 years and I have never withdrawn more than {$500.00} at a time. 
MY COMPLAINT : If the teller had said to me : 'If someone you do not know is telling you to withdraw the money, it is a scam '. That one statement would have ended the scam. 
The scammer told me to put the money into a XXXX machine and I lost it all. 
The scammer was supremely convincing about why I had to take these actions. It was a mind-control scenario. 
My complaint is with Chase Bank. I am an older woman and clearly a target of this type of scam. Chase Bank could have prevented this by reminding me of scam artists who ask old people to withdraw large amounts of money. 
I registered this fraud with all the government agencies and reported it to my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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:
After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer 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