BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by a scammer impersonating as my electric company. He said if I didn't pay {$280.00} within 30 minutes my electricity would be turned off. I was in a panic because I was working from home and couldn't get my electric turned off. My choices were to either pay using ZELLE app or go into the office and pay, but they would charge me an extra {$130.00} if I went in to the office since they already sent the technician out to turn off my electricity. He sounded very official and even said up front we will never collect your personal or banking information right at the beginning. But after I paid he told me the payment did not go through and I needed to resubmit the payment. That is when I knew something was wrong because I already received a confirmation email that my payment was sent. So, I told him I would call him back. Of course, the number was a fake. I called my bank immediately. They told me they could not do anything and I had to contact ZELLE. ZELLE basically told me too bad, nothing they can do and I should contact my bank. Both parties pushing responsibility on each other. When I asked ZELLE if I could have the financial institution 's name so I could report it myself, they told me they could not give me that information. I spoke to one representative and two supervisors and not one offered any help or resolution at all. They wouldn't even allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 at XXXX, I called Credit Counsel Inc XXXX XXXX ) XXXX, a debt collector representing XXXX XXXX XXXX in reference to a collections account in the amount of {$280.00}. I offered to pay the amount owed. The response from the guy was that the amount owed is almost {$700.00}. I asked how is that possible, and he said that administration fees are being charged. I told him that I understand that they are a business and need to make money, but {$700.00} on a {$280.00} debt seems to be a bit overkill. As a business owner myself, I offered to pay them {$350.00}, as I thought that {$65.00} would be a reasonable " administrative '' fee for them. He refused, I then asked if he could break up the amount that he was asking into smaller payments and he refused as well. I then impolitely told him that I guess we will just play the waiting game and wait until it falls off my credit and then no one gets paid. Also keep in mind that this a medical bill, and I was out of work for a significant amount of time, hence the reason this account went to collections.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on XXXX and Experian. Though I have presented proof, neither will remove from 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
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: CA
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:
Citibank sent the XXXX police XXXX to my house at XXXX XXXX on XX/XX/2023 saying I threatened them when I never said those comments. I have been trying to get case resolved since May and representatives keep repeatedly hanging up the phone.I have a permanent XXXX and Citibank causing unduly stress over getting these credit inquiries off my reports. I had to check myself into the hospital because of chest pain Citibank is causing me. I am demanding a phone call from the XXXX and apology because no reason that cops should been called on me. I am filing a Congressional complaint if CFPB doesnt resolve the issue.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed immediately :

Company response to consumer: In progress
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: TN
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 would like to file a complaint against Equifax. I called them on XX/XX/XXXX to place a fraud alert on my credit file because I noticed an inquiry that was from XXXX  XXXX that I did not authorize. I followed up by sending them a letter on XX/XX/XXXX ( proof of letter sent and ate received in the attached documents ) that they received XX/XX/XXXX. The letter asked that they verify and delete this inquiry. They responded on XX/XX/XXXX online myequifax.com ( which I can no longer see the results ) stating that they verified and the inquiry belongs to me but sent no proof of verification. I sent my 2nd letter on XX/XX/XXXX asking them again to please remove XXXX XXXX, XXXX XXXX and 2 XXXX  inquiries. ( They received the letter on XX/XX/XXXX proof in attachments ) They responded on XX/XX/XXXX with the attached letter asking that I send another letter to : Equifax Information Services, LLC XXXX. XXXX   XXXX XXXX, GA XXXX and Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Which I sent out on XX/XX/XXXX. ( Attachment includes copies of letters ) Asking them to verify and please send me the name, address and phone number of the persons ' that spoke with to verify these inquires XXXX XXXX and XXXX. They received the letter on XX/XX/XXXX. On XX/XX/XXXX they sent out a letter stating " Inquiries are factual record of file access. '' With no proof of verification. These inquires have been deleted from both XXXX and XXXX  because they do not belong to me. 

XXXX XXXX XX/XX/20 and XXXX XX/XX/20 and XX/XX/20. 

I take pride in have a good credit score and keeping my credit report clean and Equifax is violating my rights as a consumer to correct information on my credit report that does not belong to me. Please have them remove it or send me actual proof that these accounts belong on my report. 

Thank you, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have yet to receive my title from Global Lending. This process has been going on from XX/XX/2021 and until now, XX/XX/2021. I the consumer called numerous times and was told by untrained representatives that my title was being sent from a vault in NY, then was told that my title would take 8 weeks to be sent to me, then that my title couldn't be found. I heard every excuse there was.

I have been working w/ Global Lending to receive what I paid for.. the title to my car.

To add, A lender withholding your title is against the law in Michigan and is subject to be fined. I want this title and at minimum this creditor and their inputs payment history etc to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Regions sent me a mailer offering a {$300.00} bonus for opening a credit card and spending {$2000.00}. I tried to use the code, and it didn't work. I went into a branch, where branch manager XXXX XXXX told me that, despite it being almost an hour until the branch closed, with 3 other bankers and ZERO other customers in the bank other than myself, that no one could help me ( even though the mailer said to go to a bank ), that they didn't have enough time to open a credit card ( we had more than 45 minutes ), and said that I had to call the number on the card to be helped. I called the number on the card and was placed on hold multiple times before giving up after over an hour as it seemed the company had shut down because it was past XXXX. 

I tried again a few days later, and was put on hold multiple times before allegedly being allowed to apply for the card, even though I was preapproved and they ran my credit ( hurting my credit score ).

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX 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.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, MNPhone ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.

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 2023-11-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for preapproval for an auto loan from chase bank in the early part of XXXX and recieved pre-approval for {$32000.00}. I shopped around and because i didn't want my credit hit by multiple inquiries I went back to Chase and applied for the car that was less than the pre-approval. I was contacted by the underwriter and provided the information about where I wanted to get the car from and all the cars details. They sent me the denial a couple days later on XX/XX/XXXX. I called when I didn't recieve the reason for denial in XXXX business days, approximately the XX/XX/XXXX and I was told that a letter was generated and sent and I swear I never recieved it. I asked if they could resend it. They said theybwould, but I didn't ever get it. I sent another email complaining about the discrimination patterns and why they are not telling me why they denied the application. I complained about excessive fees they are assessing to my business acounts and why they insist on not telling me about the denial and they responded with an email that i should call. Again they told me they were going to send the letter. They still have not now XXXX weeks later. I believe these elaborate schemes are an act to sabatage my businesses by this frivolous denial of credit. I believe that this is just another act of discrimination and taking adverse action against me before I have a opportunity to correct, but I don't know what reason they are saying. If its possible the information is elaborately schemed to damage my reputation and Chase perpetuated the slander well that should be punished and damaging me is near irreparable without time and difficulty to restore my reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have reported charges that were fraud on my credit card from XXXX and made a dispute with XXXX  XXXX which is through XXXX XXXX and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation

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 2022-07-18
Company: HOVG, 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: Information belongs to someone else

Complaint:
Hello, Hello, I have a collection on my report from XX/XX/XXXX. I moved to XXXX XXXX on XX/XX/XXXX and have not been back to XXXX. I dont know who or why my information is in the system but this was not me and I have NO knowledge of this. I have disputed this once before with credit karma and it was removed. However, it was decided to charge me again. This WAS NOT ME and please let me know what I need to provide to show I have been in XXXX  since XX/XX/XXXX. This is fraud possibly even identify theft. I have no knowledge of this. I am also filing a complaint with XXXX XXXX, XXXX XXXX and XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Uplift, 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:
I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX  Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: ERC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2022-08-26
Company: HOVG, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a bill or heard anything from my insurance company. We had just moved and I did a change of address but still never received anything in the mail. I hit my head and took an ambulance ride back in XX/XX/2020. No contact or any type of notification was received and I found out by going to XXXX XXXX and seeing the collection. No attempt to get my insurance was made either.

Company response to consumer: Closed with explanation