BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
This company appears to be a debt collector and has 2 entries on my credit report with all XXXX credit agencies ( XXXX, XXXX and experian ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX is in breach of copyright. Remove all data from the credit reporting agencies immediately.

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 2020-09-16
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off the balance of the following accounts, disputed the balances via XXXX   and XXXX, and the companies refuse to report a XXXX  balance : 1. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. CitiBank/CBNA/XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. CitiCards/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : Reporting Incorrect Balance to credit bureaus.

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 2023-06-13
Company: Spring Oaks Capital, LLC
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 requested in my Validation letter dated XX/XX/XXXX which Spring Oaks Capital LLC fail to validate all of my request. Spring Oaks Capital LLC sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by Spring Oaks Capital LLC that bares my personal signature. Spring Oaks Capital LLC did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows XXXX XXXX XXXX the Seller of my private and personal data. And Spring Oaks the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: MO
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:
I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2020-09-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX reported to the credit bureaus that I was a late pay when in fact they had collected the monies. I paid the loan off and asked them to close my account, which to this day has not been closed. I called today requesting them to close the account and was told I had to wait thirty more days, from previous dealings with this bank they tend to add more charges every thirty days. I want this account closed before the bank thinks they can continue to charge me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Ameritech Financial
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Each Reminder email is to let me know a payment will be automatically deducted from my checking account on the XXXX of every month, and reminders were usually emailed on the XXXX of every month. In the XXXX   confirmation emails {$100.00} was deducted.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I systematically send ( I send this via ACH from another bank ) my loan payment into my checking account at Citizens. I have done this for about a year. Then Citizens bank automatically debits my checking account for the loan payment amount. Instead of depositing my ACH loan payment into my checking they applied the payment as an additional principal loan payment in my loan account. This is a completely different account and was not as instructed in sending my payment. When the actual payment was due they debited my checking account that did not have sufficient funds to cover the payment as they incorrectly deposited the funds in the wrong account thus creating a deficiency in the checking account. On the loan payment due date they attempted to withdraw the loan payment and apply the payment against the loan. Since the funds were not available they reversed the loan payment and are saying I missed this months payment. I called an explained, the rep admitted their mistake but stated they could not reverse their error. I demanded this be escalated and corrected as this will negatively impact by credit. I received one email on XX/XX/XXXX at XXXXXXXX XXXX from XXXX ( office of the chairman ) stating they tried to contact me. I called XXXX the call went directly to voice mail were I left a message asking them to call me. I also sent an email on XX/XX/XXXX at XXXXXXXX XXXX asking for them to call me back. I never received a call so I send a follow up email on XX/XX/XXXX at XXXXXXXX XXXX still not hearing from anyone I sent another email on XX/XX/XXXX expressing my concern and again no response. I send a final email on XX/XX/XXXX at XXXXXXXX XXXX stating I can contacting CFPB filing a complaint. I still have not received any correspondence. The case number for this at Citizens is ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX & Account # XXXX Toyota Motor Credit & Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted U.S. Bank to payoff my vehicle close to lease end and I submitted all requested documentation on XX/XX/2020 ( documents were overnighted to the Bank ). After multiple calls with the Bank, they stated the account was paid-off on XX/XX/2020 and the title would take about 5 business days to be released and sent to me. Today XX/XX/2020 they are changing the story telling me the title will take another 10-15 days to be processed and sent to me. I clearly stated I was in a time crunch and provided a cashiers check so that the process would move along faster. Additionally, I requested an overnight of the title with my own XXXX  account and none of this helped. 

Every single time I contact the Bank, all representatives have different answers. Completely unacceptable.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for XXXX XXXX incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with XXXX XXXX, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be zeroed out.

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 2023-10-09
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX was deleted from my credit report last year because the account was found to be fraudulent Now this corrupt company bought the same debt and is putting me in collections for a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an XXXX XXXX XXXX account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Payments that were marked late by your company for the following accounts : CAP ONE AUTO Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Purchased with Chase Visa Rewards for an XXXX purchase on XX/XX/2023. I used {$71.00} worth of earned rewards points. When the order arrived, it was damaged. Instead of replacing it, XXXX required that I return and re-purchase it. I was going to have to wait a ridiculous " XXXX business days '' for my refund, in the XXXX century. I have done everything expected of me, through this process, yet I am now faced with the unrealistic expectation of waiting until XXXX for Chase to restore my balance. In the XXXXt Century, this should be a matter of a couple of keystrokes- considering that there is a trail which shows the order, return, and receipt.

I want, simply, my {$71.00} restored to my points balance, immediately. I do not intend to make additional purchases and go further into debt for something that was initially purchased damaged.

Company response to consumer: Closed with explanation