BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a XXXX payment from my Capital One checking account. The amount was for {$1800.00} and the intended recipient was XXXX XXXX. XXXX XXXX never received the payment but the money was deducted from my checking account. Capital One never notified me of a problem with the online payment. It wasn't until I checked my XXXX XXXX account on XX/XX/XXXX that I noticed the payment was not received. I immediately called Capital One and was told that they could see there was a problem with the payment. The representative had no other information regarding what happened or where the money was, or why they had not notified me of a problem. I asked to speak with a supervisor. I was speaking with for a very brief time when we got disconnected. She never called me back. I called Capital One again on XX/XX/XXXX and spoke with another representative. I informed her that I had set up a claim but that the money had still not been put back in my account. She transferred me to the claims department who told me that it was being investigated and it could take up to 10 business days. I told them I found it completely unacceptable that they had taken {$1800.00} of my money and not returned it. It has now been almost a full month since the payment was initiated. 10 days since I set up the claim with Capital One and still I do not have my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2023-12-26
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX of XXXX  several transactions resulting in {$3000.00} were charged to my account. I disputed these with my bank and they decided I was responsible. These transactions were not authorized. Citibank closed down the debit card and wrote a letter deeming me responsible. I have filed a police report and the number is 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Company refuses to stay in compliance with governor XXXX XXXX executive order banning any report of negative information to credit bureaus. This company has late payments on my credit report they refused to remove that cost me a {$400000.00} mortgage approval that got denied along with over a {$3000.00} a month XXXX House bill. I currently have four different attorneys reviewing this case that all the assured me that this is 100 % illegal and Im giving this company one last chance to update my credit report to stay in compliance with the executive order. This is abuse and they know it, this is a game to them but its about to end now and one hell of a legal battle. Not to mention they are reporting that my monthly payment is over {$900.00} per month. They know that my payment is {$450.00} per month. They have been abusing my credit utilization by not reporting my balance and also reporting a high monthly payment that they know is inaccurate because they are trying to harass and abuse my 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 2019-09-08
Company: Credit Adjustments Inc
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I contact Credit Adjustments after having my wages garnished {$140.00} ( i'm biweekly so it was actually {$280.00} a month ). I explained that I could not afford that and my other bills were backing up ( I had already had my car repossessed once because I couldn't afford to pay it ). I was told that I could pay 5 payments of the agreed $ XXXX/month then I would be back to current and my wages would not be garnished anymore. I would then go on a $ XXXX/month plan and credit organizations would be notified and so would my work. It was my understanding the payments were consecutive and I should be done in XX/XX/XXXX. I even confirmed with this woman on my case and she said " yes, that's what that meant ''. I continued with the wage garnishments with the understanding they would end fairly soon. 

In XX/XX/XXXX, I noticed they were still taking the full garnishments and I was told the person I spoke to previously hadn't told me the truth and it was 5 monthly garnishments NOT based on every paycheck so I would be done by XXXX instead. This is when I was officially signed on to the repayments and {$10.00} were taken every paycheck. On XX/XX/XXXX, I called Credit Adjustments and spoke to someone 4 times that day ( I have record in my phone ) and they told me that I just had to get to the week of XX/XX/XXXX and I would have fulfilled the loan requirements and again they didn't understand why the previous person had told me differently. 

As of my paycheck on XX/XX/XXXX, a garnishment was still taken out. I called on XX/XX/XXXX and was told that the people I spoke to on XX/XX/XXXX had not put in a " stop garnishment '' request for me even though I had asked them to do so when they told me it would end in XXXX. On XX/XX/XXXX I was told that they could NOT refund my money because a " stop garnishment '' request had not been put through and they can only refund after this request is put through and a garnishment occurs. Even though this person admitted that he saw that I had called on XX/XX/XXXX several times. 

I have been dealing with this for 9 months at this point and I get a new story every time I call. I can not afford to continue to do this. I have been late on my car payment several times and this is tanking my credit.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I hired a guy ( XXXX XXXX ) who pretended to be a local contractor to install laminate in my house. He asked me {$500.00} upfront to cover some expenses which I transferred him the same day via XXXX network available on my online profile at Chase bank. The day he supposed to start his work he texted me that his car got broken and he needs more money, I transferred him {$500.00} on XX/XX/2019 via XXXX. Since that time he disappeared, not picking up his phone ( XXXX ) not answering messages on XXXX XXXX. As I result I was defrauded on {$1000.00}. 

I contacted Chase and asked them to trace him down and to return my money since the money was transferred via Chase to another account in XXXX XXXX. Chase representative told me that they unable to help me at all. 

I contacted XXXX customer support only to learn that I need to contact my bank if I need any help with this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX and was forced to retire for a medical condition, I talked to XXXX XXXX  Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, XXXX XXXX would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing XXXX  times now, then every week or so XXXX XXXX sends me information about my credit score ... I'm old  and I can't take the mental anquish. My car has a XXXX year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: The Outsource Group, Inc
State: CO
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 a collection account on my credit report for {$630.00} from Medicredit . It shows that it was paid and closed in XXXX. I wanted information as to the nature of this account and to discuss having it removed from my credit report. 

*On XX/XX/XXXX I called the number listed for Medicredit from my credit report. I spent hours on the phone with three separate individuals and no one at the company was able to find any record of me. They used my full name, phone number, address, social security number, and the account number listed on my credit report. I called the hospital listed as the original creditor and spent three days talking with four different people in different billing departments and was told they show no record of anything going to collections. Everything has been paid in full and I should call Medicredit back and discuss the problem with them. 

*On XX/XX/XXXX I spoke with three individuals at Medicredit XXXX all who were unable to again find any record of me and eventually hung up on me. I was incredibly calm and respectful throughout this whole process and finally cried and cried out of frustration and disappointment after being hung up on after days and hours of trying to get to the bottom of this account on my credit report. 

*Can you please help me remove this from my 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The financial obligations to this XXXX XXXXXXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : 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 XXXXXXXX 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 an account or inquiry report without 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 2023-12-25
Company: HYUNDAI CAPITAL AMERICA
State: TN
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:
I had a loan through Kia Finance America for a XXXX XXXX XXXX : XXXX ; Account : XXXX The car was involved in an accident and totaled on XX/XX/XXXX. My insurance company paid {$45000.00} on XX/XX/XXXX leaving a balance of {$15000.00}. At this time, I continued to make payments and when my XXXX insurance made a payment of {$16000.00} on XX/XX/XXXX, my balance had been down to {$14000.00}. This left a surplus and an overpayment of {$1900.00}. 

I have contacted Kia American over and over, via phone to the customer service department, asking for a refund at which they assured me that they would make a request for the refund. I have not received the refund and it is now the end of the year. I called Kia of XXXX dealership, where I purchased the car, and they advised me to sue Kia America. Before I do this, I am asking if you can step in and assist me in getting this refund before pursuing legal action. 

Thank you very much in your help in this matter. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2023-08-09
Company: EQUIFAX, 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2018, Collecto, Inc. d/b/a EOS CCA attempted to collect debt on on debt that is unenforceable, especially one that was originally at the about of about {$1500.00}. They were notified that XXXX XXXX Bank did not tell them the truth and they were told that I am contesting the the amounts. I am also contesting the fact that I am a XXXX veteran and they tried to transfer my debt to a third party, which I commanded not to communicate with me, which was after I commanded Collecto, Inc. to not communicate with me in any form, which they illegally disobeyed me. They dared to do this to a US Veteran suffering from XXXX, acquired in XXXX, XXXX.

Company response to consumer: Closed with explanation