BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MS
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:
On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. 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 These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was driving to XXXX from XXXX XXXX on XXXX. About XXXX miles away from XXXX on the hwy, I was hit with a gust of wind that blew off my latched pop-top slide-in truck camper. The roof which was harnessed down factory standard with latches was blown off with the gust - act of God- and the car behind me ran into the fallen roof. There is video evidence. 

We exchanged insurance information - well almost a year later, i'm receiving calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on multiple days [ XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 ]. XXXX and XXXX both threatened to sue me through civil action as a subrogation office, threatening to take my driver 's license away. 

I immediately told them to go take a hike, contact my insurance provider and stop calling me. They've continued to call and threaten me. I've contacted my insurance provider all state whom is trying to act on behalf of me but they keep stating XXXX XXXX shouldnt be calling me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing credit report Bank America continues to furnish inaccurate data on credit report.

Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that this account was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}

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 2020-04-03
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
TXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector : My understanding is that you are attempting to collect a debt from me that I do not recall owing. In good faith, I called XXXX to terminate my service with them. I was told that my account would be terminated at the end of the present billing cycle. I also was told to return their equipment in boxes that they would send to me. After receiving the boxes, all of their equipment was package and hand- delivered to the Mail Bag Shipping and Mailing Center ( XXXX XXXX XXXX AL ) as directed by XXXX XXXX I paid my balance via credit card ( as usual ) to XXXX. A follow-up phone call was made about three weeks later to ensure that all equipment was received and that my bill had been paid-in-full. I was told yes to both inquiries. I asked them to send someone to remove their satellite dish from my property. Their reply was that they did not want it back. Now, after almost 1 year later, I get this debt collection letter from your company, requesting payment. 

On XX/XX/2020 I sent you a certified letter requesting that you provide me with information that will validate a debt to XXXX that you said that I owed. I received a reply letter from you on XX/XX/2020 ( dated XXXX ), asking me to settle a debt ( for 75 % of the current balance if you receive payment on or before XXXX ). 
You, however, failed to address my request for documentation to validate that the said debt belonged to me per my written correspondence ( letter ) sent to you on XX/XX/2020. 
I believe that your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 1692 ( g ) subsections 809 ( a ) ( 4 ) and ( a ) ( 5 ) ; and subsection 809 ( b ), and are not done in good faith. Secondly, derogatory statements that were placed on my credit reports by your company have not ( to this date ) been removed. Your actions appear to be done with unclean hands.

Based on my prior letter to you ( XX/XX/2020 ) I informed you that I do not recall owing the said debt to XXXX. Please note : This is my Second Attempt to obtain validation of this debt that you are telling me that I owe to 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 2023-11-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I submitted a complaint ( XXXX ) requested a signed contract with my signature along with your Conserve signature. I have also attached my current payments that I have with XXXX XXXXXXXX that are current through XXXX. I would like for this account ( Conserve, XXXX ) to be removed immediately as it is affecting my privacy. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-09-29
Company: EQUIFAX, INC.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX held $ XXXX in pending, due to an investigation and signature verification on three checks. I explained to XXXX XXXX that it was a fraud and to return the monies to my Chase account. XXXX XXXX told me to contact Chase and open a claim. Chase refused citing that written checks do not have the same priority as wire transfers and the payment to the receiver must take place. Instead of preventing frauds, banks are allowing fraudulent transactions to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: FL
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 charged a rental at XXXX XXXX and was not allowed to rent the vehicle. The date was approximately XX/XX/2020. XXXX had charged {$160.00} to my card. I disputed it with Citibank who initially credited the charge but reversed it after XXXX advised them of their no refund policy. I then turned my attention to XXXX who assured me on several occasions that they credited -or release the authorization as early as XXXX XXXX then again on XX/XX/XXXX. I have yet to receive any credit on my credit card while both Citibank and XXXX are pointing fingers at each other. After speaking to XXXX Customer service on XX/XX/XXXX and a supervisor by the name of XXXX at XXXX called left a message assuring me that a credit would be on my credit card within 3 to 5 business days. As of today XX/XX/2020, I have yet to receive the credit. The case number of this escalated matter at XXXX is XXXX. 
XXXX from XXXX advised in her message that XXXX can't cancel the policy nor issue any correspondence to the fact that they issued a credit, therefore, I have no other evidence other than the message left on my voicemail that a credit would be issued.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Consumer Adjustment Corp USA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically XXXX! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to XXXX that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to XXXX, XXXX, and Transunion? I want the CFBP to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!

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 2023-04-21
Company: Richard Stone & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to the debt collector multiple times, showing them proof the contractor did not do the work they are claiming. I have asked them multiple times to send any kind of proof that the contractor did any of the work they fraudulently claim. They never send any proof. 
I have also asked them 5 times now to take me off their automatic emails, and they refuse to do it. Claiming I gave the contractor my email, so they can now use it. 

XXXX XXXX XXXX is committing fraud by attempting to charge for work they never did. Richard Stone is committing fraud by attempting to charge for " {$50000.00} Arbitration/Investigations/Interest/Administration '' There has been no arbitration, investigation, they have no claim on interest ( because nothing is owed ) They are also threatening to file lawsuits, liens, charges with the State of Texas and credit bureaus. Richard Stone has been highly abusive with their communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Portfolio continues to furnish data on credit file. Car appeared on credit file 2019. Contract was an obligation with myself and ex husband. When car was repossessed company failed to make contact with me when car loan was in jeopardy. Never received any documents regarding sale, disposition if gap coverage were calculated. Company failed to comply. In addition, full investigation regarding unfair sales practices during time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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 received a bill from HSBC Master card for charges incurred from XXXX XXXX XXXX, 2020. I found that I had been charged {$2300.00} for purchases made via XXXX ( see attachment ) from individuals in California. I live in Illinois. I called HSBC and disputed the charges. They sent me a letter dated XX/XX/2020 denying my claim ( see attachment ). I called again on XX/XX/XXXX, but could not get through to an operator. I called again on XX/XX/2020 and appealed the denial, requesting a new investigation.

Company response to consumer: Closed with explanation