BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a Dispute with Equifax regarding incorrect information on my credit report regarding account : ( XXXX ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to XXXX in XXXX. The report shows the account was Charged Off in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked Equifax to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to XXXX in XXXX of XXXX that the account be deleted. 

The result of the dispute with Equifax was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to XXXX. How can it be sold to another company but XXXX is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NY
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 Report Act XXXX, Account # : - XXXX, XXXX XXXX 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 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2023-05-02
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card opened unauthorized using my identity and sent to collections due to non-payments. Credit card was opened XX/XX/XXXX, for the amount of {$200.00}. {$630.00} was sent to collections due to over due payment on XX/XX/XXXX. Unauthorized used was confront and refuses to pay up to date. 

A case was opened with a detective from the city police department on XX/XX/XXXX for identity theft. Case number XXXX. Please feel free to contact me to my email address or the city police department for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I attempted to get a mortgage from Bank of America. The first words out of the Sr. Loan Officers mouth were " be nice on the survey no matter what happens ''. That should have thrown up a red flag. After several and I mean several back and forth emails about rent, XXXX accounts, and other little things the Sr. Loan Officer let me know, after the fact, that my loan had " timed out ''. I never knew that a loan " timing out '' was a thing. After that happened they had to check my credit again which is probably my biggest complaint about this whole situation. I went from a XXXX to a XXXX to a XXXX credit score. Here is the thing, I make XXXX/year and the loan was for XXXX. It made no sense why the loan was taking so long to approve. So I spoke to the Sr. Lending Officers boss and she stated that she didn't know this was a conventional loan, she thought it was a refi. They didn't even know what kind of loan we were getting. 
We were renting this house and were trying to buy it, while all this was going on the owner of the house decided not to sell. This has essentially made us homeless. I have spent large amounts of money trying to figure this out and have sense gone to another bank for obvious reasons. I would like to be compensated for my time and my credit score decline. I know that some people are just bad at their jobs but this is messing with peoples families. My XXXX year old XXXX  has lived here his whole life and cried when we told him. My wife has been crying. Bank of America should, at the least, be held accountable for the terrible handling of this business transaction.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
in XXXX around the XXXX i sent a request to transunion asking them to verify information they claimed was validated and verified. I have yet to receive any acknowledgement of my dispute letter and have not process anything i have sent this.

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 2022-06-13
Company: 1803 Capital, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX NC ( XXXX XXXX ) my complaint is everything that transpired 1 ) I was aware that my credit score was between XXXX and XXXX because I checked it before going to the car lot when the contract was being signed the dealer used rush tactics in order for me to sign it because I was there literally all day long so thats how he got me to just sign without going over the contract when I asked about the interest rate he quoted me at 14 % even though I thought it was a little bit too high I went on agreed to sign it but when I got a copy of the contract I didnt see the interest rate on it so I called the finance company ( 1803 Capital LLC ) a few months later just to see if I paid off the interest they said I was paying 20 % interest rate! I wouldve never signed a auto loan with 20 % interest rate because my credit didnt warrant that much.., now I cant even trade it nor refinance it and I need some type of legal help for myself hows a XXXX veteran

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 


Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. To date, no notice received as requested.. I was referred to account recovery dept without receiving notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever

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 2022-11-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Central Portfolio Control Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since XXXX, Ive received at least 4 previous calls or text messages from a collections company, trying to speak or make contact with a person named XXXX XXXX Each time, Ive explained to these individuals, this phone # is my personal phone number and I have no knowledge of a XXXX XXXX. Ive also made it aware to each, to stop calling my phone # and remove it from their system as related to their business. On Thursday, XX/XX/XXXX I received a voicemail message from a woman named XXXX XXXX from Central Portfolio Control Inc, asking I return her call @ XXXX. 
On Friday, XX/XX/XXXX @ XXXX XXXX, I received a text message to my cell phone # XXXX from # XXXX that read, Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter of yours, then asking to contact them @ XXXX using, which they state in the text message, is my ID # associated with this issue, # XXXX. ( see attached pic ). I called this XXXX XXXX back at the # XXXX twice on XX/XX/XXXX @ XXXX XXXX and again @ XXXX XXXX XXXX. Both times I left messages to stop calling my cell #, This is not XXXX XXXX nor his phone # and this is phone is a private #. The next day, XX/XX/XXXX @ XXXX XXXX XXXX I call Central Portfolio Control Inc @ XXXX which I got from XXXX search of business A woman answered, stating, Thank you for calling Central Portfolio Control, How may I assist you today. I explained to this woman about the left message I received from XXXX and recently the text message I received on my phone as to them trying to contact a XXXX XXXX. I advised this woman Im not XXXX XXXX, this is not his phone # XXXX and this # is a private #. Please stop calling and texting this #, my personal phone. The woman just sent my call to XXXX voicemail which it did. As a government law enforcement official, Ive taken many steps to protect my identity and personal information thats been compromised in XX/XX/XXXX with team XXXX servers. Ive placed active military alerts to all three credit reporting agencies, and have listed my # with the federal do not call registry since XX/XX/XXXX. Im asking for your assistance to have this agency/company/entity to immediately cease and desist in all forms of communication, phone calls, texts, email or US mail immediately for purposes of trying to contact a person named XXXX XXXX whom I do not know or ever met. This phone # is my personal number, assigned to me since XXXX via XXXX XXXX. I believe, again, another company such as this is looking for a person, XXXX XXXX that May or May not have been associated with this # at some time and maybe has outstanding debt with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Rozlin Financial Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Two different collection agencies are attempting to collect {$1000.00} for an XXXX account. This was satisfied in XX/XX/XXXX and XXXX and both agencies were informed. 

In XX/XX/XXXX, I entered into a short-term loan with XXXX to purchase furniture. The terms of the loan were " 90 days, same as cash '' terms. I believed that if I paid off the loan in 90 days, I would not be charged interest. XXXX guaranteed those terms to me and purchased the furniture ( one mattress set and a couch, totaling about {$1000.00} ). I was required to pay about {$130.00} towards the " furniture loan '' up front. 

Terms also included automatic payments of {$180.00} beginning XX/XX/XXXX and on the XXXX day of each month, thereafter. 

In XX/XX/XXXX, I called XXXX and asked why I had not received any email from them regarding the payments and remaining balance. In late XX/XX/XXXX, I had made 2 full payments and yet was not informed of any remaining balance. I believed that my balance should have been about {$580.00} but no one at XXXX would inform me in writing. I also asked for an extension of the 90 day-terms to pay off the loan and was told over the phone that I could continue to pay on the loan. 

A total of {$1100.00} was collected for this loan that was satisfied in XX/XX/XXXX- actually overpaid the account. 

In XX/XX/XXXX, I was informed by XXXX XXXX that ROZLIN FINANCIAL GROUP L and XXXX XXXX XXXX  are attempting to collect on this same account that was satisfied in XXXX. Both companies report this to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: CITIBANK, N.A.
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:
My complaint is regarding CITI BANK CBNA. They placed an unauthorized inquiry on my XXXX  credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN  USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, XXXX XXXX XXXX reported what they called an unpaid medical collection in the amount of {$450.00} on my credit reports with all 3 credit agencies. I was not aware of the existence of this debt, but when I became aware of it on my credit report, I called the company that was reporting the collection, XXXX XXXX XXXX. They explained to me that XXXX XXXX XXXX had sent my account to collections. I did not agree with the accuracy of this explanation so I researched the issue and found out that XXXX XXXX had sent an old medical bill to an old address where I lived over 8 years ago. I never received any type of request for payment or an invoice. I went ahead and paid the entire amount in order to settle the debt and close the account, but I continued to dispute the accuracy of the information and also consulted with my attorney. I found out that XXXX XXXX had changed their accounting systems and much of their pre-existing information did not carry over to their new systems, so they were still using my old address. I had even gone into XXXX XXXX a few times after the date of this collection, and XXXX never told me that I had an unpaid balance. 
After going several different rounds of phone calls and dispute letters, I requested that the creditor provide me proof of the debt, as it was my hope to have this derogatory item deleted from my credit report. The way that TransUnion ( " TU '' ) handled this situation has caused my credit score to suffer even more. When I reached out to TU to dispute the item, TU sent a form to the creditor and asked them to validate that the debt was accurate. The creditor then simply checked a " Box '', to indicate that the debt was accurate, they provided no information to TU, and TU did not investigate the matter any further. TU instead, changed the date reported for this collection to a more recent date, which gives the impression to any lender that this is a new collection and is still open. I have been in the process of closing on a mortgage and this has hindered me significantly. TU is the only credit agency that is reporting this debt over and over again, refreshing it each time they receive a response back from the creditor in response to my dispute. This is a closed account, and paid in full. There is no reason for TU to continue to change the reported date, refreshing this collection. And furthermore, TU is not actually investigating the accuracy of the debt, they are only sending a form to the creditor, and the creditor is just saying " Yes '', it's accurate, with no supporting information.

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 2022-10-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute transaction from XXXX XXXX in the amount of {$1000.00}. Dispute ID is XXXX for my card ending in XXXX, account holder my company XXXX XXXX XXXX Chase blatantly refused to provide any documentation in support of its decision. I demand immediate reversal of the denial because my dispute falls squarely within the purview of what may be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}.

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