BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was placed in collections and I was never contacted. Secondly this debt was charged off by the original debtor more than 180 days ago which it is illegal to sell after it has been charged off more than 180 days ago it has been placed on my credit without me having a chance to resolve it also caused my score to drop significantly in the last 60 days I tried to contact the.debt collections company and advised this was not my debt. I asked the supervisor how did they obtain the account in the first place at which time he explained that his company had purchased it from another third party not the original debtor I then advised him of the law that it is illegal to sell off debt accounts that are more than 180 days charged off he then informed me that he has been doing this for the past 11 yrs and this was the first time that he has heard this. I think that MBA LAW SHOULD BE INVESTIGATED if they don't know the laws they should not be doing this type of work they also should not be placing things.on people 's credit report and causing problems for things that they have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX  XXXX XXXX Balance {$14000.00} XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ND
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:
So, my husband and I have two vehicle loans through Toyota Financial and one of the loans was being reported as late for XXXX and XX/XX/2021 when they payments were never late. Proof was not only sent to Toyota Financial but all three of the credit bureaus by the way of bank statements showing dates payments were made. Our credit was destroyed by what happened. Toyota is refusing to correct the error with the bureaus and get our scores corrected. We were stopped from buying a house because of what Toyota did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MD
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:
Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home. 

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  - Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX of 2022 to XX/XX/2022 I was XXXX, during that time I was a victim of fraud. I have many disputes everywhere and they have all been in my favor so far, through investigation I found out that XXXX XXXX XXXX stole my identity open accounts everywhere, did a lot of fraud with my name and my credentials. One of mean American Express when I went to XXXX I left my American Express paid off, I had it set to be automatically payments every month, this person went ahead and charge American Express then went back into my XXXX account and made five manual payment in the month of XXXX equaling over {$14000.00}, XXXX XXXX found out about this situation and told me they were not liable. American Express was all they did was pay the bill. I had set up that way. 
American Express keeps giving me the runaround I have given them all the documents proof of XXXX the letter from XXXX from the investigation. They have all the documents needed. They keep telling me that they dont they dont but when I call they do in the promise me they will get back to me and nobody does, then a few days later, I get an email or a letter saying my front claim is closed due to lack of documentation.. I am not disputing my account that is now closed. I am disputing. The five payments made in the month of XX/XX/2022 equaling over {$14000.00}. I am enclosing a letter from the bank that gives you the routing number of the payments how they were made, this is all information that American Express has already, they have my phone number they have my account number they have my email and theyre saying that they can not get a hold of me which is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
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 have been contacting Equifax for the last three months to remove four collections that are not mine They continue to cause me problems XXXX and XXXX have fixed and also Equifax had put a fraud alert without my consent I am also unable to file disputes or pull my credit online because the questions they ask to verify me is inaccurate and not real They dont care and they continue to sabotage my credit and reputation Here is the following collections that are not valid along with not mine and fraud XXXX XXXX {$45.00} and {$35.00} I have told them this was taken care of back in XXXX they continue to report this as real along with an unauthorized charges from XXXX XXXX XXXX for {$620.00} and I was not in or living in virginia and I had submitted proof along with the fact that if they were actually doing a real investigation would see this by my addresses on my credit history as proof too. Now I have a new charge from XXXX XXXX XXXX for {$690.00} as someone used my identity and the police told me to notify the credit bureau and Equifax does not fix this along with a collection to XXXX XXXX XXXX for an inaccurate collection as I have had Medicare and Medicaid insurance for 9 years I was not even living in virginia or there the time of change along with XXXX XXXX I had lived at that address previously 9 years ago and do not know who is the company Also the XXXX XXXX   charges were in XXXX and a collection company illegally opened up credit collections on me when these were paid and also by law should not be reporting the collection company decided to add in a new name Equifax gives me so much problems and makes my life very complicated and do not fix the issues Equifax had also told me last year I was included in their data breach and they have not dont their job to make things accurate and fair for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chase close my account the balance in my account was {$770.00}. Call Chase to find out when the check for the remaining balance was going to be mailed out they told me it had already been mailed out and that should receive it within 7 days and nothing so I called again and they told me that the money for the remaining balance was suspended and that they did not know when I will receive those funds I got a statement stating that chased it a debit XXXX for the amount of {$770.00} so they have not yet to send me a check for that amount all I want is what belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: HOME BANCSHARES, INC.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received notice from my bank on XX/XX/2021 that the scammer who helped her accomplice scam me through a domestic wire transfer closed her account after she was ninformed that there was a recall for the transfer since it was sent fraudulently. to her. 
someone at the Centennial Bank in XXXX Ar advised XXXX XXXX to close the account so now i am requesting that Centennial Bank be liable for the {$1000.00}. If they do not send me the money within a reasonable amount of time i will file for prejudice against a scammed customer from one of their customers then i will notify XXXX about what has gone on with this bank Centennial as they are upholding a crook im sure the person in question has opened another account WHATS WRONG WITH THEM GETTING MY STOLEN MONEY FROM THE NEW ACCOUNT.. 

THIS PROBLEM WILL GET SETTLED ONE WAY OR ANOTHER THROUGH NEWS MEDIA 'S HELP OR YOUR WIRE TRANSFER DEPARTMENT :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
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:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXX Bank ) Making the report is NOT INCLUDED on my Consumer 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 2023-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle purchased homeowners insurance on my home, at a very high price, even though they had be provided information on my current insurer, XXXX, 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 2023-08-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I just recently came down with XXXX. i reached out to all my banks ( car loans and all ) and have asked for help. im out of work due to having XXXX and am not being paid for being out of work. i can not go back until i have a negative test. i have already been out a week, and may be out for another week or 2. I owe {$58.00} on XX/XX/21 on my discover credit card. I asked if they would be willing to push my payments out a month, since i have always been on time paying and have sometimes paid way over the minimum. They are refusing to help me out. They suggested that i find someone to help me out while i go through financial hardships. They proceeded to send me paragraphs talking about lower interest rates and such, trying to bring me off the topic of me needing to push my payments out. In the end, they refused to help me out with my upcoming payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I requested my credit report to find so inaccautes items being reported. I've disputed 2 times and nothing have been removed. My first date of. delinquent is reporting incorrect. the Balance was reporting {$3100.00} once I reached out the change it to XXXX also the last payment date is wrong

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Wells Fargo was fined and ordered to remit payment for damages to consumers for REPEATED misapplied payments from XX/XX/XXXX to XX/XX/XXXX. Wells Fargo issued me a check on XX/XX/XXXX for {$9.00}. The check was for {$7.00} misapplied payments and {$1.00} for the time I did not have the money. Providing {$1.00} for misapplied payments for XXXX is absolutely absurd. Wells Fargo charge a late fee when car payments arent made in time, therefore Wells Fargo need to also pay me for every month they were late, paying the alleged {$7.00}. Furthermore, Wells Fargo provided no explanation of HOW the {$7.00} was accessed for the REPEATED misapplied payments. There is no doubt in my mind that Wells Fargo misapplied MORE than {$7.00}. Wells Fargo continues to REPEATEDLY violate consumer laws. In the past Wells Fargo fraudulently charged me for XXXX XXXX, when I already had auto insurance, I had to argue with Wells Fargo for several months and provide proof of insurance to dispute the unfair compensation Wells Fargo provided for the fraudulent CPI insurance. Now, here we are yet AGAIN with ANOTHER CONSUMER LAW VIOLATION. The CFPB ordered Wells Fargo to remit payment for damages and {$1.00} is a NOT SUFFICIENT amount for damages for this new misapplied payment violation. At this time Wells Fargo need to ALSO pay me PUNITIVE DAMAGES due to REPEATEDLY VIOLATING MY CONSUMER RIGHTS!

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 2023-01-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Consumer reporting agencies XXXX, XXXX, experian, XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. IncomXXXX can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.

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 2022-03-21
Company: EQUIFAX, INC.
State: NY
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:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA

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