BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint against Exeter Finance and XXXX they are fraudulently reporting an account that is hindering my credit profile. I have contacted these companies about this and there was also a third party company that reporting this account on my profile in error. The third party company eventually deleted this derogatory account on my profile after a complaint was made by me about them. The original debtor refuses to hear my case after multiple attempts by me telling them that I never agreed nor signed documents agreeing to a loan with them. I made a complaint with the FTC and now I am filing this and they still are not responding to me and they are not responding with what I need to get this off of my profile. This is Defamation of character and destroying my polished credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I did not receive my {$200.00} bonus for setting up a direct deposit of {$1000.00} within 90 days. I have attached the promotion.

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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name Bank of America Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$3700.00} Four years ago my home was broken into and my laptops and computers were stolen. I called the police and filed a report. Weeks later I noticed items that I didn't recognized appeared on my credit profile and I have been trying to get this debt off since that time and I have researched my consumer laws. For one I never recieved a 1099c from Bank of America saying that this debt was written off and I reached out to them to request that information so I can do my taxes, since this debt is on my report. Also I have looked on my credit report across three bureaus and according to Metro 2 Format the industry standards for reporting accurate, complete and timely information that the data should report according to the specified definitions in order to process credit information correctly is not accurately reporting on my credit profile. I am also in the state of North Carolina which the statue of limitations is 3 years. 

I do not owe Bank Of America- ( account # XXXX ) {$3700.00}.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never lived at XXXX XXXX XXXX XXXX as the XXXX has stated. XXXX XXXX XXXX XXXX say I owe a debt that I have no knowledge of ever applying for any services with XXXX I have not received any documentation barring my signature and these are the dates that the account started til its charge off date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and charge off date XX/XX/XXXX, therefore any debt with this company i do not own and/or fraudulent account therefore I would like this to be removed from my credit report and cease any contacts with XXXX XXXX XXXX. 

I sent my letter to the credit bureau on ( XX/XX/XXXX ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. Also have attached the letter I sent out and here is the tracking number ( XXXX ). 

According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, XXXX characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who XXXX have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the 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 2022-04-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Subject : False advertising misleads customers Chase Bank False advertising misleads customers by i logged in to App i saw False advertising shows up that i'm already approved for XXXX XXXX so, i didn't applied or fill the application again stated that i'm already approved i didn't file consent form to pull my credit filled and submitted Phishing ( pronounced " fishing '' ) is a type of criminal activity that uses fraudulent techniques to trick you into providing sensitive information now chase send me notice through app stated please call us to discuss credit application is this tricky way and False advertising misleads existing customers applying for product STOP False advertising misleads customers Cc : Federal Trade Commission the agency should files actions in federal district court for immediate and permanent orders to stop scams ; prevent fraudsters from perpetrating scams in the future ; freeze their assets ; and get compensation for victims.When consumers see or hear an advertisement, whether its on the Internet, radio or television, or anywhere else, federal law says that ad must be truthful, not misleading, and, when appropriate, backed by scientific evidence. The FTC enforces these truth-in-advertising laws, and it applies the same standards no matter where an ad appears in newspapers and magazines, online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/22 disputed inaccurate items with Transunion, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days no resolution.

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 2023-01-02
Company: EQUIFAX, 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:
No of the credit bureaus are responding to the disputes I sent in about incorrect information reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I should not have been charged a XXXX overdraft fee. I had money in the account and the last purchase I made before it was charged the money was taken out so why the XXXX was I charged an overdraft fee?? I get so XXXX sick of fees and other ways banks XXXX XXXX XXXX you to death. I specifically said I did NOT want anything paid on this XXXX account if there was a funds issue anyway and THIS IS WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After attempting a legitimate XXXX transaction, my account portal was locked. I first attempted to contact Chase via phone on XX/XX/22 but it was after-hours. I then reached out to their XXXX support, XXXX XXXX, on XX/XX/22, and was asked to call the same support number XXXX as they could not unlock my account. I called that same day and was placed on an extended hold, after which time I had to give up. I attempted again on XX/XX/22, this time selecting the option for a call back. I received a call back after about 30 minutes. The representative took my info and transferred me to dead air. I then reached out to XXXX  support again. They again advised me that they could do nothing. I called again, this time waiting on hold. I was able to get through in a " quick '' ~20 minutes this time. The rep took my info, said that they were going to put me on hold to " perform actions on my account '' and to please stay connected. They then hung up on me. I have never experienced customer service like this. I am at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with { {$1000.00} } still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
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:
Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2020-03-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote to Equifax to dispute what they are reporting on my credit report. They did not send me a response at all. The PO Box mailing address is valid, and my physical address on my ID is also valid, but I did not get any response at any of the addresses. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file. 
As reiterated in my letter, if Equifax does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
APPLE CARD/GS BANK USA ACCT XXXX XXXX DATE OPENED : XX/XX/XXXX {$2700.00}. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CarMax, Inc.
State: AR
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 RE-INSERT MY CARMAX LOAN INTO XXXX CREDIT REPORTS, IT WAS DELETED IN ERROR. LOAN NO ENDING IN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I called Jefferson Capital Systems Llc to settle on the debt they brought from XXXX Credit Card Company. I asked agent XXXX about the 60 % settlement offer that XXXX sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was 10 % off in 1 payment or 5 % off on 18 payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to XXXX knows who I feel unsafe with these companies. Entrusted my information with I was not notified

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