BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Innovis
State: MS
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  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I bought a XXXX XXXX XXXX for XXXX after everything included it came to XXXX. I gave a XXXX down payment. They did not work with me. I got behind due to COVID they still were piling interest charges and late fees. I voluntarily surrender the car now they are trying to get XXXX dollars out of me. Taking me to court and saying I also need to pay the court cost and fees. After I surrendered the car they still kept charging me until it was sold. They are now in a current lawsuit against them because of their corruptive behavior. I know I'm not the only one fighting this with these people.

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 2021-12-28
Company: SLM CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have a Mastercard through SallieMae and have paid much more than the minimum payment well before the due date. Our credit limit on this card is {$3500.00}. We last used the card on Monday, XX/XX/2021 for {$38.00}. Shortly after we tried to use the card for a {$9.00} purchase and the card was declined. I immediately logged on and saw there should have been over {$600.00} available. I tried calling the company and received messages that they were closed until XX/XX/2021. 

Our account not only showed an available balance of over {$600.00}, but it also showed two recent payments : {$400.00} posted on XX/XX/2021, and {$200.00} posted on XX/XX/2021. Both of these payments cleared our bank immediately. 

When I finally was able to reach a human at SallieMae, he clearly saw the payments and said although they showed " posted '' they would not actually be applied to our account for 7 days!!! Is this so they can capture the float on those funds??? Each day I have been checking the account for any activity by SallieMae and finally this morning, XX/XX/2021, the {$400.00} payment was processed. The {$200.00} payment has not been processed at the writing of this complaint. I never received an explanation why the card was frozen when it clearly showed available funds on the account. 

We find this process absolutely unacceptable for the consumer. It would be understandable if this was an old-fashioned process of checks being written and mailed and SallieMae needed to hold the posting to the account until the checks cleared, but this is all electronic bank-to-bank transactions!!!

I would like a full explanation why this bank requires 7 full days to process a bank-to-bank transaction yet posts the payments to the account while still holding the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like to file a formal complaint against Wells Fargo concerning my home mortgage loan. In XX/XX/XXXX I acquired a home mortgage loan for XXXX. at a rate of 8.875 % for 180 months fixed rate loan, not a balloon payment. One of the conditions of the loan was that it be set up on an auto pay for the amount of {$430.00} which I signed a form to approve the set up with my bank. I have always made sure the money was in the account to cover the date of the auto pay. Every month I received a statement from Wells Fargo reflecting the amount of {$430.00} owed and paid. In the earlier years of the loan there was no interest rate listed or maturity date. Later on in years around XX/XX/XXXX I noticed there was a maturity date as well as an interest rate. I started adding payments left on loan to find out that this simple fixed rate loan was not XXXX  out. I contacted Wells Fargo to tell them about this and my concern, and in the end, they sent me an offer to re-finance the balance. That was not agreeable to me. I was counting on putting this debt behind me paid in full per our auto drawn agreement. Most recently I have again reached out to Wells Fargo and I still have no resolution. Wells Fargo has on my statement a balance of over {$20000.00}. They can't explain what's wrong or what they are going to do. Since I have reached out to Wells Fargo concerning this matter, I have received a statement with an amount different from all the previous statements ( {$500.00} ). I have accepted each statement as a contractual agreement on what was to be paid each month. I have one more payment due XX/XX/XXXX. I am not prepared to pay any more than I have agreed to per our auto pay agreement. This is a financial hardship on me and my family. I'm Hoping you can help resolve this as I don't know where else to turn. I've seen many things about Wells Fargo being deceptive in their business practices and I'm afraid for myself and my family of becoming victims. 
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 explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and 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 2022-06-14
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}

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 2021-12-29
Company: Experian Information Solutions Inc.
State: SC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by " XXXX XXXX XXXX  '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX  agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX  when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MI
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 been reporting these accounts that doesn't belong to me but I get no response from any of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Investment Retrievers, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I spoke to a supervisor XXXX XXXX for investment retrievers XXXX about a previous call to settle debt but decided they wouldn't honor the credit removal, that the rep said I would receive. He said he clearly heard the rep say that they would remove off my credit after payment and they aren't willing to honor why they previously said yes to. I spoke to XXXX on XX/XX/2023 at XXXX XXXX EST. 

They keep making inquiries on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MI
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:
Someone opened a XXXX XXXX XXXX  credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXXXXXX XXXX  and never will. I have disputed this with XXXX, Experian, and XXXX to no avail.

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 2022-06-14
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: CA
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:
I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a third party collections notice from CBE Group and I have never owed this company or the alleged creditor Charter Communications any money. CBE Group alleged I owed money from Charter Communications and they bought over the alleged debt. Neither CBE Group or Charter Communications can or has provided me with any form of a written and signed contract from me. I have had my credit stolen before and I am denying any knowledge of this debt. This in my opinion is a false claim to extract money from me and I demand this debt be erased from all credit bureaus. These companies have severely impacted all credit bureaus involving me and I demand it be removed immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an 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 2023-09-21
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX 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