BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts. 
Please investigate these accounts as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-14
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, Equifax & XXXX ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX  & Equifax as well as XXXX XXXX XXXX, with no resolution!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: BARCLAYS BANK DELAWARE
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:
In accordance with fair Credit Reporting act BARCLAYS account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was younger and had checking accounts that were over drawn and closed and charged off. Now I am black balled from every bank. I have to have a checking account for my job but no one in XXXX. Tn will allow me to open a checking or savings account.Dont know what to do.

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 2023-04-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 XXXX stated returning payments to my credit card without any explanation or warning to me. Many payments were returned and totaled a little more than {$30000.00} after much back and forth dialogue I was told my only option was to pay the {$30000.00} in full. They closed the account, impacted my credit score, did not treat me as a valued customer and placed a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have communicated with the credit bureaus on several occasions about the XXXX fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted 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 explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: TN
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:
My credit report shows numerous inaccuracies. Almost all accounts have information that doesn't match another agency. Names and addresses are incorrect. Accounts that have been paid in full are marked as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I bought a car on XX/XX/XXXX and the engine blew out XXXX month later on XX/XX/2021 and I had a warranty purchase from the dealership added to the car to cover the engine the guy at the dealership who sold me the car tell the warranty people that only thing was wrong with the vehicle was that it needed a timing belt for the engine so the warranty people pay him for it the guy at the dealership told me he could not fix the vehicle after he received the money from the warranty people and cash the check he kept the money and didn't repair my car his excuses that there is more maintenance to be done on the engine so I called the warranty people and they told me they had explained that into details with him that he was not supposed to send off the invoice into the carpet was completely fixed the dealership told the warranty people that the car was completely fixed and ready to go that was on XX/XX/2021 today is XX/XX/2021 and the vehicle still have not been fixed. Then I spoke with the American Credit Acceptance who he transferred the loan to after the car was broke down I asked them what do they need me to do because now I can not make the payments because I don't have any reliable transportation to make money they told me they want to settle out the car but in order to do that they need the guy from the dealership to give them a printout of the total amount of repairs and labor that is going to cost to get the car fixed he refuses to do that and continue to hold the car and is not being fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a married couple, in XXXX, XXXX XXXX XXXX and I purchased a house on XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX ; XXXX. When we got divorced in XXXX, I was ill-advised by a lawyer. I signed a " Quit Claim '' for the house and I moved out of the house, thinking that was the end of my obligation. Since then, XXXX got disabled and could not pay the mortgage. 
The house was on the brink of foreclosure. 
Despite the " Quit Claim, '' my name was still on the mortgage and thus I was responsible for the mortgage. I paid all the overdue mortgage at that time to avoid foreclosure, and XXXX requested " loan modification '' so that he could manage payments. Wells Fargo refused. In XXXX, Wells Fargo was about to foreclose the house again. In order to avoid foreclosure, I had to sell the house for {$120000.00}, way below market value, on XX/XX/XXXX. 
XXXX owed {$60000.00} for a back payment. However, with an absorbent late fee, I had to pay off {$74000.00}. 
Since then, XXXX passed away. 
Wells Fargo took advantage of poor people like us and mishandled mortgages. Due to their refusal of the mortgage modification, XXXX and I lost the house.

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 2021-10-17
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2021, I received a phone call from an agent with Convergent Outsourcing looking to collect on a XXXX Account. As I do with all calls of this nature, I informed them I do not discuss any billing / debt collection type information over the phone and they need to send me proof of the debt in writing and release from XXXX so I know I am paying them instead of XXXX, should any money be due. At that point, the agent informed me that they could " E-Mail '' the information over immediately so I could have an opportunity to clear this matter up. I reiterated that I only act on Documentation that is sent via US Mail. 

Since that time, I did not receive anything from them via Call or US Mail. 

On or about XX/XX/XXXX, Convergent Outsourcing posted the Collection account to all 3 Credit Reporting Agencies ( CRA ) which resulted in a significant negative impact on my Credit Scores. I received an alert of this posting on XX/XX/XXXX. 

I reached out to Convergent via phone and spoke with a XXXX. XXXX so I could find out what was going on. I was informed by her that I wasn't aware that this debt was due since I understood it to have already been paid for by XXXX XXXX XXXX during a Phone number Porting. I then asked what I need to do to remove this account from my CRA 's. 
She then informed me that the debt amount of {$500.00} is due to resolve this debt, that amount would need to be paid, however, they will not remove anything from the CRA 's. 

I did ask for validation from " XXXX '' that this debt is still due, and I am in contact with XXXX XXXX XXXX to determine what happened and if there is a disconnect on either side. I am also following up the verbal request for information with a physical letter sent via Certified Mail today.

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 2023-01-21
Company: Credit Karma, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/ -called 3 times had XXXX different representatives pretend to deactivate my account XX/XX/ -I chatted online with multiple agents trying to have my account deactivated still no luck XX/XX/ -spoke with them on phone and chatted trying to explain it wont let me deactivate my account because its saying I have money in my savings but they informed me over the phone that I did not have money in savings so can they please deactivate my account XXXX -I spent over XXXX hours going back and forth on the phone and chatting with them trying to get my account deactivated and they said they couldnt they tried but I dont understand how they could make me keep a membership I dont want

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
This particular debt collection agency XXXX MIDLAND CREDIT MANAGEMENT ) is reporting fraudulent information to the credit bureaus. I have asked for particular documents relating to the fraudulent account. The following information I've asked for and never received are as follows : 1 ) THE ORIGINAL CONTRACT 2 ) THE PAY OFF DISCLOSURE 3 ) THE INTEREST RATE DISCLOSURE 4 ) THE BALANCE HISTORY 5 ) THE PAYMENT HISTORY 6 ) THE CREDIT INSURANCE 7 ) MY WET SIGNATURE I have contacted the agency twice. The first time I was told that the information was mailed out, but it was sent to an address that I've never lived ( fraudulent address ) .So I gave the agency my actual address and noted that the account on file is fraudulent. They said they were going to do an investigation and they would also send the documents that I requested. They mailed me the investigation results, but NO DOCUMENTS. The second time I called, I asked for the documents again. The agency said they would mail out the documents, and that it would take 7-10 days for me to receive them. It has been over 30 days during this process and I still haven't received what I have asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX Account # XXXX, XXXX : Account # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
To whom it may concern purchased a XXXX XXXX XXXX the vehicle at hand had XXXX  mils  on the dashboard the fianc company was XXXX XXXX located in XXXX Michigan this company accepted our loan for 36 months the price ov the vehicle was {$9600.00} the amount ov {$5000.00} dollars was put down as the bank said it was a fee to fianc the companys policy was agreed to fianc this vehicle it has now been paid in full lien was lifted as XXXX XXXX this company has marked this as a repo when the vehicle was picked up by the bank the vechile was 3months or  less toward in the term me and the co-signer has contacted this company about the credit reporting follows this companys accounting department has Extened this inaccurate info to the 3 major credit Beuarus as a repossion we have tried to contact this fianc company about this the company also the credit breaus will not remove this issue off the 3 Major Credit Beaures we would like this sent over to transunion also to be removed for not acknowledging the time line that this repo is being reported almost 11 yrs I will present a copy ov the letter stating that the installment contract lien was lifted and paid in full this is causing more problems because Im getting denied credit dee to this error I would like for it to be removed because the date info is way past the fair credit act that is  being extended from XX/XX/XXXX till XX/XX/XXXX we no longer have the installmentoan Im have not received any info from the credit Beuarus that this has been removed and also the the other party that is apart ov this issue I want this removed 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 explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my wallet was stolen from my car which included my personal ID social security card and a ton of other important items. i now have a closed account on my credit report that i am not responsible for. date card was open was XX/XX/19. please remove from my credit report i am not responsible for that card and its holding my score back.

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 2021-05-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX act is to ensure & protect the privacy of patients medical healthcare data. Also. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I have never given XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. I have attached a copy of the law with this dispute message. Concerning the account listed below as a consumer I'm demanding a deletion of this account. I am also demanding compensation for violations of committing fraud, XXXX XXXX, FCRA, FDCPA, and for damages. I am demanding that this account is removed in less than XXXX hours please mail checks to the address listed. I am allowing XXXX calendar days for the check to be mailed out from the date this is received. The amount that I am requisition is a total and sum of {$3000.00} TWICE WHICH IS A TOTAL OF {$6000.00}. 15 USC 1640. 15 USC 1611. that is from XXXX XXXX XXXX. I am willing to settle this out of court for the exact amount of debtor collection agency. I will only allow XXXX calendar days for the check to mailed to my residence. I am not serving you but making it clear that this is an intent to sue. This is my final warning. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation