BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello officer, my name is XXXX XXXX, my problem is on XX/XX/2021, I went to my local US bank branch to open a business checking account, and at that time they have an offer for {$300.00}, and I will attach the picture of the offer in the bottom, I open the account with the code : XXXX deposit XXXX and keep it until now open the US bank mobile bank the same day XX/XX/2021 after waiting for several days and I haven't received the bonus yet, I went to the branch and the same person who help me said that I still need to wait, and I wait for two more months and ask again, he said that he will help me to claim but still not any response, and couple days ago, I try to call them, and was told that because my money was XXXX transfer into my account, therefore, I am not eligible for that offer, first, in the offer page, they did not require the deposit way of money, second, I open the account in the branch if the XXXX is not eligible for this offer, I believe the banker is supposed to informing me, last, the first time I went to the branch to ask why I did not receive the bones after I open the account, and the same banker help me check it but did not say anything, I mean at that time if he told me that the XXXX is not eligble for the bonus, I will deposit cash instead, therefore, I believe they should give me that bonus.

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 monetary relief
Consumer complaint received 2022-08-26
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WORLD ACCEPT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEPT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEP
T Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2XXXX  XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted this letter below to Carrington Mortgage as well as XXXX, XXXX, XXXX. Carrington responds with everything is correct with being 30 days late. I talked to a representative at Carrington, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/XXXX  the payment was credited back to my account. I received a letter from Carrington on XX/XX/XXXX  and did not receive the letter until XX/XX/XXXX  due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted Carrington on the next business day ( XXXX XXXX XXXX  ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment.

I appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account 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 2019-10-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I refinanced a loan with One Main Financial, per my loan documents, my first payment is due XX/XX/XXXX, I made my payment early, and it is not crediting to my XXXX payment it still states I owe the payment for XX/XX/XXXX! I contacted the branch where I did the loan, they assured me my payment was credited and my next payment was not due until XX/XX/XXXX see following email Hi XXXX, Due to your payment of {$190.00} on XX/XX/XXXX, your account will not be due for a payment until XX/XX/XXXX. You have made your XXXX payment. 

Thanks, XXXX XXXX | XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX | XXXX However when i log in it still says due XX/XX/XXXX, I sent him the snap shots, he then referred me to call the online department to sort it, and to let him know if I had any problems I did call, XXXX and explained to the girl, was put on hold for a very long time while she checked with her manager? After being on hold for 17 minutes she came back on, said the payment was showing but because i made the payment early it will still reflect it is due?

I asked to speak to the manager, she was busy and would have her call me? 
I have snap shots of all, this is really ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm going to explain my problem again in a simpler way. What is happening is that I have a report of a car purchased on XX/XX/XXXX, when I did not yet live in the United States. I obtained my visa to enter the USA on XX/XX/XXXX, and entered the country on XX/XX/XXXX. How is it possible that I have bought a car in the USA without living in the USA, this is my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Kikoff Inc.
State: NY
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:
There is an account from a creditor named kickoff being negatively reported, not only do I have no knowledge of this account but it's being reported twice as different accounts. 
This account seems to have never been used, the balance says {$24.00} I have tried to contact them via the phone # listed on my credit report but the phone # is disconnected and it says on the website they don't accept calls.The website says to fill out a ticket if there is a problem, however I would need an account # to which isn't available anyware. 
I looked into this creditor and it seems to be some kind of credit repair company where you pay a small amount of money for them to report positively on your credit report. 
So I never opened this account and there is no way to contact them and yet it is negatively being reported twice one as a closed account & one as a collection account and it says the balance owed is {$24.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$4200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX  XXXX Balance : {$4200.00} ; XXXX  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 non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2023-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Been making payments to music getaway for the amount of {$560.00} on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 i have been filming disputes claims with chase and have been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys! 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : 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 2020-08-06
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence resource manage {$370.00}. XXXX I had XXXX from XXXX XXXX  I had complaint about the constant over heating of the phone. I had ask better solution to this problem and I was given a replacement phone which did the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, XXXX AND TRANSUNION ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME 479 TO 484 AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.

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 2022-04-13
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX/ {$210.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: WELLS FARGO & COMPANY
State: HI
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 tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by Wells Fargo Home Mortgage. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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:
I disputed with XXXX, XXXX and Trans Union that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and Trans Union. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to XXXX along with that I sent the information via US Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, XXXX or Trans Union to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, Transunion and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.

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