BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: DE
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 placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 someone fraudulently used my personal information to apply for multiple accounts with the same bank XXXX XXXX. I did not consent or authorize these inquiries to my personal credit. I am asking for documentation that I applied for these accounts and If no proof can be provided I need these fraudulent inquiries removed immediately from my TransUnion credit report so that I am not denied future credit. I have 4 fraudulent inquiries on the same date from The same financial institution 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 explanation
Consumer complaint received 2023-03-08
Company: FISERV INC.
State: UT
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  is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXXXXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, On XX/XX/XXXX, I was approved by my Loan Servicer, Wells Fargo Home Mortgage, for a permanent loan modification. Unfortunately, my spouse, who is not on the loan, refused to sign the documents. I tried to save my home through XXXX XXXX Bankruptcy, but the combined payments were too much for me. My home was scheduled for Sheriff 's Sale on XX/XX/XXXX. When I reached out to Wells Fargo prior to the sale date, I was told that there were not any options available for a workout. A couple of days later, I was told that if I could stop the sale, XXXX would reevaluate my loan. I filed an emergency motion with county court and the judge granted the stay until XX/XX/XXXX. I am also working with the non-profit organization XXXX to assist me in these negotiations. Wells Fargo told XXXX that I have a lien on my home that was an issue with the modification last XX/XX/XXXX. The only issue at that time was not being able to obtain my spouse 's signature. Now it appears that XXXX is using the lien as an excuse not to assist me. I have the modification documents and the lien is not mentioned on there, nor is it from any correspondence from my Wells Fargo Home Preservationist. I simply want Wells Fargo to honor my modification, as I am in the process of divorce as well as negotiating the lien on my property. At the very least, give me a reasonable amount of time to clear up the lien.

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 2023-03-25
Company: Grain Technology, 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 status incorrect

Complaint:
I have had an account in good standing with Grain for going on 2 years now. Recently the company plaid is no longer affiliated with my bank so grain no longer has access to my bank account. That meant I had to manually make payments rather than it being automatic. Grain reported me 30 days late in XXXX and XXXX. I was not late either of these months. I have disputed multiple times and Grain corrected XXXX but not XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I paid the account in full on XX/XX/XXXX. As of XX/XX/XXXX, I still have a 30 late payment for XXXX and Grain continues to report my balance as {$890.00} despite multiple attempts Ive made to request them to correct the balance and payment history. They are saying they wont correct my balance until mid XXXX which will be about 60 days after the balance was paid in full. I paid off nine accounts on the very same day as grain and grain is the only creditor refusing to correct my credit balance after being paid off. Please correct my credit as it has made it so Ive lost my account status with other companies for having a delinquent account with a high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ALLY FINANCIAL INC.
State: VT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day. 

Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed. 

Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did. 

On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further. 

I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment. 

This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX. 

Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before. 

Please review this issue. 
Thank you for your consideration, 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 explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MO
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 sent a letter last XX/XX/XXXX, as my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The inquiries 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 the identity theft. 

These inquiries are unknown to me. Also, the information you provided on some accounts are 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.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items completely from my Credit File : 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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I ordered food from XXXX in XXXX the end of XX/XX/2023. They delivered a partial order, missing a sandwich. XXXX is useless because there is no one to speak to, only the app. 

Capital one gave credit for the missing item. Ubereats later rebilled THE ENTIRE amount in XXXX, which I again disputed. 

This continues to happen repeating itself for about 6 times. 

The disputes department in Cap One must work on " production '' because it's obvious within these chargebacks they don't pay attention to the details and have reversed the chargebacks on their own. 

The amount is almost XXXX XXXXXXXX ( it fluctuates because the purchase was made in XXXX ). 

I've spent numerous hours on the phone and emails to resolve a XXXX XXXX  problem, am I the fool or is this by design in the banking systems... ..run us around until we give up? 

Hopefully this can be resolved once and for all, I've cancelled my XXXX account and previously written to the CEO of Cap One, which I thought would would be the final resolution, I was wrong. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to a new servicer without the legally required 15 days notice. I was notified via TEXT MESSAGE on XX/XX/XXXX that effective XX/XX/XXXX ( 14 days later ) that my mortgage would be transferred to a new servicer. This is a clear and blatant violation of title 12. Specifically 12 CFR, section 1024, paragraph 33 ( b ). The contents of this notice were also missing sections 2-6 as outlined below, thus making the notice invalid. 

( ii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferee servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferor servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iv ) The date on which the transferor servicer will cease to accept payments relating to the loan and the date on which the transferee servicer will begin to accept such payments. These dates shall either be the same or consecutive days ; ( v ) Whether the transfer will affect the terms or the continued availability of mortgage life or disability insurance, or any other type of optional insurance, and any action the borrower must take to maintain such coverage; and ( vi ) A statement that the transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, yesterday I found all my chase credit cards were closed without getting noticed. I am very disappointed to what chase has done to me as a very loyal customer. I have never paid my credit card late. And I maintain my FICO credit score above XXXX. Chase is my primary creditor, I will lose all my credit history if chase decide to close all my accounts. My spending on credit card are very normal, no gift card purchase at all. I read through chase credit card agreements. I don't act any violation on any item on the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to removed this discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my earnest attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing this inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.

Company response to consumer: Closed with explanation