BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Data and Contact Management Solutions, LLC
State: AZ
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 would like to file a complaint against XXXX XXXX XXXX and DCM Services. For several months I have been trying to get this issue resolved. XXXX refuses to speak to me and DCM Services just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through XXXX that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by GAP. XXXX alleges that the full balance was not covered by GAP. So, I contacted GAP myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance XXXX is alleging I owe. I incorrect and it is thievery. XXXX in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it. 

IN ADDITION, they are reporting this inaccurately to credit bureaus. They are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER.

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. Experian shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

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 2020-12-31
Company: EQUIFAX, INC.
State: PA
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:
I have tried to pull both my credit report and credit file and was given the message from XXXX, XXXX and Equifax that using my social security number, that I would not be able to retrieve my consumer report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Transunion disputes regarding the XXXX  account not reporting accurately across all three credit bureaus, specifying that I woud like this account to be removed for all of the inaccuracies and they have not done anything but update this account. 

I have also filed a police report and sent an identity theft affadavit to XXXX XXXX, but Transunion has come back stating they have said its verified. I know this is not true because they have not even finished their own investigation yet. Transunion seems to not be investigating my issues thoroughly and just sending me automatic responses it seems.

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 2021-03-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase Bank has had my refinance mortgage application for 10 months, process that is supposed to last no more than 90 days. 

On XX/XX/2020 ( 10 month ago ) I submitted a loan application to refinance my home 's mortgage with Chase Bank. The designated officer at that time to manage the application was XXXX XXXX. Then, two months ( XXXX ) later the officer XXXX XXXX ( XXXX ) was added to the team at chase to be handling the process, and she started asking for documents right away. In XXXX another XXXX was added to the team, XXXX XXXX ( XXXX ), she has been the one talking to me to me so far. After sent a complaint by email on XX/XX/2020 requesting for a faster handling of the application, XXXX XXXX ( XXXX ) has been evolved in the process. 

The delay brings two big problems for me ; 1st, I can not do any mayor transitions because it could affect the process. And 2nd, in case of been denied the application, the delay takes away the possibility of being able to apply in another bank to take advantage of the low loan rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: GA
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/2020, I received the results of my dispute of my Equifax credit report regarding my XXXX XXXX account. Equifax claimed they consulted the company, XXXX to determine the balance of my account and I do not believe they did so. There is something fraudulent going on. Because I have only a balance of XXXX on my XXXX XXXX and Equifax returned with their dispute results claiming that I have a balance of {$350.00}. This is false. I have attached the results of my dispute by Equifax and I have attached a screenshot of my actual current balance of XXXX XXXX  and it is {$4.00}. This balance was obtained by me logging into my XXXX XXXX  and getting my current balance so I know that the results of the dispute by Equifax is incorrect. Also, I called XXXX XXXX  on XX/XX/2020 and they confirmed that I only have a balance of {$4.00} and this can be confirmed by the ticket # XXXX which was assigned to the conversation with XXXX XXXX. This issue needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

FirstPoint Collection Resources Located at XXXX XXXX XXXX   XXXX, North Carolina XXXX, USA Is in violation of 15 U.S.C. 1692-1692p Againts ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding a fraudulent XXXX  collection account that has appeared on my credit report. The account in question is not mine, and I have attempted to dispute it directly with Experian, but I have not received a satisfactory response. 

I first became aware of the account when I received a notice from XXXX stating that I had an outstanding balance. This came as a complete surprise to me, as I have never had an account with XXXX or any other credit card company. I immediately contacted XXXX to explain the situation and to dispute the account. XXXX informed me that the account had been opened using my personal information, including my name, Social Security number, and address. 

I then contacted Experian to dispute the account, and provided them with documentation proving that the account was fraudulent. I have attempted to contact Experian multiple times to request that they investigate the matter further and remove the account from my report, but I have received no response. 

This fraudulent account is causing significant harm to my credit score and my ability to access credit. I am now being denied credit and facing higher interest rates due to this false information on my credit report. I urge the CFPB to investigate this matter and to take appropriate action to ensure that Experian removes this fraudulent account from my credit report. 

Account details : XXXX XXXX  - XXXX - {$4200.00} - XX/XX/2022 Thank you for your attention to this matter. 

Sincerely, 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 2022-01-19
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account ( XXXX ) with Discover have been on hold since XX/XX/XXXX due to suspected fraud activity which I believe is due to check in the amount of {$690.00} deposited in XXXX of XXXX, issued to a cousin with same name whom uses the account opened using my social security number. As explained in prior complaints, account was opened using my information because the relative is unable to open accounts due to credit issues. The check was deposited using my account, issued under his name by XXXX XXXX. Currently, funds are not in the account, which I believe Discover is attempting to recover and thus, placed a hold on account. Discover appears to have received information regarding check as fraudulently cashed, the relative may have submitted information to XXXX XXXX indicating so .... I've reached out to relative, confirmed he is confused about check. Previously, I attempted to reach Discover rep to provide this information, unable to reach by phone. Further, Discover rep appears to refuse to answer further complaints in re, claims to have addressed complaint ( XXXX ) in which information above was not provided.. With information provided, I request any remaining funds in accounts sent via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the time I disconnected service from XXXX, now listed as IC systems on my credit report, there was no balance. A balance was accrued due to unreturned equipment which I returned the equipment about a year later to XXXX in downtown XXXX. I called shortly after returning equipment after being told by a rep at XXXX that the company does have a tendency and reputation to not credit accounts for equipment being returned and sure enough the company is and has stated on numerous occasions that the remaining balance is associated with a balance for service and it is not. I would like this removed from collections as I do not owe a balance for service and equipment has been returned.

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 2022-10-06
Company: Experian Information Solutions 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:
I've brought this matter to CFPB and XXXX bank before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX Bank has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.

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 2022-01-18
Company: Tulsa Adjustment Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I received a collections account from XXXX XXXX  for " XXXX XXXX XXXX XXXX. XXXX for the amount of {$810.00}. I have no knowledge of this practice or doctor as I have never seen them before. I have tried to dispute it several times through XXXX and XXXX XXXX but have failed to have it removed. I have reported it as fraud and identity theft. I have also contacted XXXX XXXX and sent in for a dispute with them as well. When calling the number for " XXXX XXXX XXXX XXXX. XXXX '' you hear what sounds to be a child saying if you're calling for the doctor this is no longer their number and to leave a message. There are also numerous reviews on XXXX and the XXXX reporting the same fraud issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MT
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:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date opened XX/XX/2019 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 2022-01-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to unexpected financial difficulties, I fell behind on my car payment. Initially, I was late about two weeks or so, however, I am now paying approximately 30 or so day after the payment due date. 

During this time, which began around XX/XX/2019, the company has been charging me a late fee after my 10 day grace period. I have not requested fee waivers as I understand how my grace period works. I own approximately {$250.00} in late fees. 

Since I am unable to make a {$1200.00} payment to bring myself current, the late fees continue to accrue. To help avoid more fees, I asked the lender if they offered any kind of assistance programs to help me get current. The lender advised they offer a payment extension program that would take the past due payment ( s ) and roll them to the end of the loan. When I asked to participate in the program, I was told the loan had to be current and the Late Fees had to be paid off. 

What's the point of offering an extension program, when the lender requires that the loan is current. If the loan is current, I wouldn't need an extension of payments. IN addition, how is a lender allowed to offer such a program, but require a customer to pay the total late fees in order to participate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX , CT XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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