BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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 XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 transunion 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 XXXX admitted they had my police report XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
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 brand new 2021 XXXX XXXX XXXX. The main reason why I choose the hybrid is for the fuel efficiency, when I looked at the car window sticker I saw number 48 MPG I was so excited about how great that number is. But in the real world driving I was shocked and surprised that I am only getting between 35 to 38 mpg. You might say well it depends on how you drive I am driving with the speed limit sometimes I was going below the speed just to reach that magic numbers! but no matter how I drive the numbers stayed the same. I do believe XXXX is misleading about the actual gas mileage and thats absolutely unbelievable and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as CONSUMER ADJUSTMENT CO, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
About a year ago, I received an installment loan from Tower Loan on XXXX XXXX XXXX in XXXX, XXXX XXXX Within the last two months, I requested an additional {$1000.00} dollars. I was told that I had to have insurance in order to secure although I told them that my products were insured. I was asked to list household products with a XXXX credit score. The loan maturity amount will be XXXX plus dollars once the loan is paid for. I questioned the practice and was told that if paid out early that the additional fees would not apply. However, after during research, I learned that the practice of manipulating clients has been addressed in the past via XXXX XXXX Tower Loan XXXX XXXX ( Civil Case Number XXXX. The company is continuing deceptive practices.

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 2021-02-15
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was staying in an Apartment @ XXXX XXXX XXXX XXXX, GA XXXX. 
I specifically told management that I was not signing nor would I be held accountable for any lease or lease agreement. I never signed anything allowing the apartment complex or anyone affiliated with them to run my credit. 

I was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX ). XXXX XXXX was leasing the apartment for me to stay while working in town. 
I did put the utilities/cable/ etc.In my name because i wanted internet and cable access. etc.. 
XXXX XXXX XXXX did not make the payments while I was out of town as a result to a family emergency. When I returned eviction notices was embarrassingly posted on all the doors for the neighbors to see. 
Harassing phone calls by a couple of collection agencies preceded. I continually have explained the situation and showed them the lease that I never signed. 
They are guilty of reporting false information to the Credit Bureaus. 
I have filed many complaints and will continue to do so until this fraudulent activity has been resolved. 
I reticently have filed and will continue to file disputes with the XXXX and credit reporting agencies until my credit has been cleared and this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XXXX received a call from an unknown caller. I answered he said he was from XXXX XXXX processors office I was involved in a civil suit to call an XXXX number for mor info. I called the lady on the phone she said I was going to be sued for credit card debt in the amount of {$3000.00} that was owed to Bank of America she said the account was from year XXXX until XXXX. I said I dont remember anything on this debt. At some point I asked for some proof of debt. I was told Bank of America wanted to file a suit that the judge will have that info. I then said even if this is my debt the statute of limitations has expired. She said that they will still sue. They had my credit report information and my social security number When I got off the phone I called the courts. I was told nothing has been filed as of yet. I called them back to get an address from the law office I was put on hold for a long time and I eventually hung up

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid 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:
Refuse to credit my account for refunded purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Statebridge Company , LLC bought my second mortgage on XX/XX/2019. Statebridges first bill to me in XX/XX/2019 showed an amount in excess of {$1800.00}. The normal monthly payment is {$360.00} at a fixed payment and fixed interest rate. When I contacted Statebridge they told Me I had failed to make the last 5 monthly payments even though Statebridge has just bought the loan. I filed complaints with the North Carolina Attorney Generals office, and the North Carolina Commission of Banks. I submitted copies of electronic payments made to the previous loan services, XXXX XXXX XXXX, LlC. Statebridge reported false negative credit information to the 3 credit reporting agencies and has permanently damaged my credit. To this date Statebridge has not corrected their mistake, has not sent a correct statement for payment due, and has not corrected the outstanding balance due on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Phoenix Financial Services LLC
State: IN
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:
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PHOENIX FINANCIAL SERVICE Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PHOENIX FINANCIAL SERVICE is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid 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:
I contracted XXXX to create a website for my painting business in early XX/XX/2021. On XXXX they advertise their services as having a XXXX XXXX money back guarantee on their design as well as prompt turnaround times of XXXX hours or less on any revision to my website. They also promised a seamless website design experience. This is all on their homepage clear as day. 
I have gone thru XXXX of XXXX XXXX web site designers. They each failed spectacularly at their task of creating a simple easy to use website for my painting business. 
Their turnaround time was not XXXX hours, it was typically about XXXX weeks to get a response. Even after waiting XXXX weeks for simple changes such as my partners name to be added as well as his phone number, to remove repeating text on the page and to remove a section to says that we sell commercial flooring. We do not sell anything and these changes were not made after XXXX or more attempts. They finally delivered a terrible website to me mid XXXX and I was not happy. I let XXXX my project coordinator know that at this time I was no longer interested in any further revisions as I was not waiting any more for this project to be delivered and I was unhappy with everything from the beginning. 
I disputed the charges with citibank ( the credit card used for purchase ) and they said they would investigate the charge and my dispute. They finally updated my credit system today and reversed the dispute. I spoke to XXXX agents from citibank dispute team and tried to let them know that this was fraudulent charges at this point as I have been scammed by XXXX. I even provided the emails and texts as well as their guarantee of XXXX % money back if I wasn't happy. 
Citibank told me that there was nothing that they could do and they could not reopen the dispute. 
It is clear that they did not investigate anything related to this dispute and they are holding my XXXX XXXX XXXX. There is no reason at all that I should have to pay for this when they state that there is a XXXX % money back guarantee right on their website. I've provided proof, I've contacted XXXX several times asking for my refund but they do not answer my calls or my emails. I am extremely frustrated with citibank and feel they are equally responsible for this fraudulent charge being placed on my credit. 
I tried to get the supervisors name from citibank and she would only provide me the information " XXXX from the XXXX office ''

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 2021-02-15
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I took out a loan through XXXX  XXXX, they have AES servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 2022-08-11
Company: Experian Information Solutions Inc.
State: OK
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 sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. They also reported my social security number wrong. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts :

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I just received my reinvestigation back from XXXX XXXXXXXX XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ).

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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