BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX ACCOUNT Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance $ XXXX This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$6000.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX XXXX XXXX Balance $ XXXX You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXXXXXX Balance $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.

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 2022-09-01
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a prepaid Vanilla Go Visa loaded with {$500.00} at a local XXXX XXXX, CA, grocery store XXXX or more months back. I've tried to use it online for various purchases and invariably I get a screen telling me some version of 'Card purchase has not been allowed by the company. ' I've called them and been left on ignore XXXX minutes the first time and I hung up after XXXX minutes the 2nd time. Also have tried to find a contact email but no luck so far. There are no phone lines within XXXX miles of my home and cellular signal does not reach into the valley. The balance check done at XXXX XX/XX/2022 shows {$470.00} and the purchase was {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I also spoke with a representative and felt very threaten and harassed with the language of the rep. This is very unexceptionable, this is causing mental anguish. I request that the following account be promptly removed immediately off of my credit for Midland Credit management for XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XX/XX/XXXX, a XXXX XXXX XXXX with XXXX miles was purchased for {$16000.00} and financed at 22.99 % XXXX 23 % ) with a finance charge {$12000.00} for an extremely high final TOTAL purchase PRICE of {$28000.00}. The car was purchased from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) Main tel # XXXX or ( XXXX ) XXXX. The extremely high car cost of {$28000.00} was FINANCED via Credit Acceptance. 

As of XXXX, {$16000.00} is still owed on the vehicle ( original car note {$28000.00} at 23 % interest rate ). 

A one-time, full payment, settlement offer of {$9500.00} to pay-off and satisfy the debt was made to Credit Acceptance via certified mail return receipt. As per law, Credit Acceptance is supposed to respond within 30 days to the written inquiry. 

However, Credit Acceptance has not responded to any of my prior written letters to settle the {$16000.00} owed on the over-priced XXXX XXXX XXXX. 

Essentially, the cost of the car {$16000.00} is almost the finance cost {$12000.00}. This is an egregious and unscrupulous/corrupt practice. 

XXXX XXXX XXXX Current Balance : {$16000.00} Original Loan Balance : {$28.00}, XXXX Interest Rate : 22.99 % Std. Monthly Payment : {$430.00} Contract Start Date : 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 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX  XXXX, XXXX filed lawsuit claiming to represent Bank of America for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. 100-400 complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by Bank of America. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government XXXX benefits.

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 2023-01-26
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These con people are conning me with there customer service there are in violation of 15 usc 1681i ( 5 ) The date on there contract, which is for XX/XX/31 which are is in the future, which means void. 

They sold illegal debt to jefferson capital system llc, Jefferson capital system stated they they been ask for trade line be removed and deleted last year. The address they have of me is not mines never have live there. My credit report can prove it on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
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 is my multiple requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

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. Account name : # XXXX XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$170.00} has violated my rights. Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1500.00} has violated my rights Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX BALANCE  : {$1200.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I received my investigation and notice there were still some discrepancy. The consumer reporting agencies which is equifax, XXXX, and XXXX  did not modify or correct everything. 

Last Verified doesn't match on all three credit reports, Date of Last Activity doesn't match on all three credit reports, Date Reported doesn't match on all three credit reports, Date Opened doesn't match on all three credit reports, Closed Date doesn't match on all three credit reports, Dispute Status Is Incorrect, Last Payment doesn't match on all three credit reports Which is a violation. This Is Impacting me from moving forward in my credit journey and get additional funding for my business. 

Ive attached my most recent credit report to show how equifax, XXXX, and XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi There, I am wondering if I can file a lawsuit against MACY for damaging my Credit Report. I had opened their Credit account 3 months back, but I never received their Credit Card at my residental address. After a while, XXXX XXXX ( Credit agency ) notified a new account is opened and it had some balance due in it. As I never received a card, so I called em and closed the account, but they told me to clear the due at the store. I went to store and the store keeper said that account is no longer a valid and so my due is not reflecting. That's 2 -3 months back. 

Last week I got a call from their department, that there is due and interest showing up on my closed account and has to be paid. I was at rush but later by the end of the day, I called them and they admitted their mistake but told me to clear the merchandise value, but the interest wont be charged. I cleared everything right there and now the account is closed and it is now 0 balance. 

However, couple of day after, XXXX XXXX show that my credit score has been damaged due to that and is now reduced by almost 100 pts down. 

I am trying to call em up but they are not taking responsibility of it and saying they WONT reverse this. 

I am trying to purchase a house and this credit report is going to create a severe consequence and I am looking to sue em up. 

Please share your understandings. 

Thanks

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 2023-01-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
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:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with Penny Mac ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. 

I believe this adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

XXXX XXXX : XXXX XXXX XXXX XXXX NC XXXX Accounts : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX NC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX SSN:XXXX DOB : 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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: OH
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:
Hello, submitting a new complaint due to a response received from JP Morgan Chase Bank with someone elses information uploaded to this account as a response towards a wrongful inquiry made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have student loans from XXXX XXXX College ( XXXX, MD ), I last attended in XX/XX/XXXX. I didn't return the Spring semester due to I was told the school was not doing the XXXX program in XXXX only in XXXX. I never withdrew from the school being that I was told the school was working on its problems to stay open. The XXXX XXXX XXXX was in the process of withdrawing their accreditation, They were made aware that the student needed to be in a Teach out. Well I live in XXXX and the Teach out was for only students in the XXXX area, XXXX was a XXXX school. The school closed in XX/XX/XXXX. I am not left with over XXXX worth of student loans and I am not able to have them discharged. I was not able to transfer credits, so I took classes that did not benefit me. I want to know what can I do to get the loans discharged. I have applied for a loan discharge 2 times. I also had contacted the State of Maryland Consumer Protection Division about the issue and the rep told me to contact Navient again. But what was the use and I had already tried twice. I can't transfer the classes, so I took out loans for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This car loan was obtain fraudulently and is reporting to my credit account this does not belong to me these agency need to pay attention who they are lending to Ive contacted them they said they will contact me back but have not done so Ive also disputed this information thru the bank and all three credit bureaus with XXXX  being the only one not to respond this has took a drastic hit on my credit as well as of many more fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing with a different company. Fifth Third Bank, in sending the payoff amount, included a late fee. This was prepared in XX/XX/XXXX as you can see. I've NEVER been late nor charged a late fee. They added this fee before the grace period ( 15 days ) was even over! 

I called today, the rep said too bad, that's just what they do and they can't send anything different to escrow XXXX XXXX and this is about to close. 

They are trying to get PAID for a fee I did not incur through escrow! If I hadn't checked my closing documents carefully I might not have seen this, and how many other people have they don't this to? This isn't my first home so I'm aware of charges. This is wrong and they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: HEARTLAND PAYMENT SYSTEMS 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:
The XXXX XXXX XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.

Company response to consumer: Closed with explanation