BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, XXXX, Equifax that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Auto Trakk, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Autotrakk LLC has repeatedly harassed and physically threatened me, and went as far as sending a strange repo company to my home during the nighttime, while I was at home with my small children. The first reposession company that came to my home was represented by two men, and they had one of the employees call me a XXXX. I told them that I would call their boss, and the person stated that I own the company maam! I was scared to the point of soon moving out of my home. I was wishing to be done with their tactics, and soon turned the car over to the second company that they sent to my home. They still sent the Sheriff to my house, after the car had been gone for months!!! I still had paperwork to prove that I turned the company over to someone sent by Autotrakk, and the sheriff advised that he would take care of it for me. They report incorrect information, and use threatening tactics in an attempt to XXXX  people. I have documentation of the full balance changing several times. I was told that they either need the full balance, or their vehicle back. I should not be held liable for both!!! wish that I would have consulted with a lawyer, but I am giving them the chance to rectify this through this complaint, and to leave me alone, and remove this erroneous information from my credit report. The financial and emotional distress that this has caused me, during a transitional period during my life has been beyond words. I am saving up to get a lawyer to defend me against this shady company and their violent tactics and untrue reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by Experian, XXXX, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet

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 2019-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18, my Mother ; XXXX XXXX, XXXX XXXX and contacted the phone number that was given. She spoke to an " XXXX '' rep regarding a refund that she had failed to receive from a return. The individual from " XXXX '' asked my Mother to check her bank account to see if her refund had gone through. During the phone call, the other party accessed my Mother 's bank account and wire transferred {$100000.00} from her checking account to XXXX, XXXX My Mother contacted the Fraud Dept. at Chase Bank the same day and filed a report. 

On XX/XX/18, all accounts were closed, new accounts were opened, a new router was purchased, a cell phone, the home phone number was changed, and a new computer was purchased. Additionally, a police report was filed with the XXXX County Sheriff 's Department, an FBI report was filed via XXXX, a report was filed with the Federal Trade Commission , and the Secret Service and the FBI were contacted. 

Once the police report was completed, a fraud report was filed with Chase Bank. In addition to the {$100000.00} being fraudulently transferred, {$400.00} in XXXX charges were made against the account. Chase Bank reversed the XXXX charges. Yet, are refusing to refund the {$100000.00}. 

My parents receive phone calls from Chase Bank when they are out of town and attempt to purchase groceries. Yet, never were notified by Chase when an unusual, and unauthorized wire transfer went through for {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: General Motors Financial Company, Inc.
State: MA
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 am trying to get an issue resolved with GM Financial and have disputed it through XXXX  and GM but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, GM financial received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called GM and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by GM again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to GM Financial. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by GM, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by GM was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want GM to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I have a credit card from US BANK, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and US BANK with no successful resolution. XXXX XXXX, and XXXX reporting me XXXX days late in XX/XX/2020. There was an error on their part. I was never XXXX days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX XXXX refuses to unblock my account stating there is a balance owed. I do not have an outstanding balance with XXXX. I contacted their 3rd party collection company several times and was able to confirm the statement above each time. The collection company stated that an email was sent to XXXX each time I contacted them about the balance. I contacted XXXX after each call to their 3rd party collectors and never obtained any results. Each time I spoke with a representative I was informed that an email would be sent on my behalf. The department that handles the accounts is unreachable by phone and does not have a point person to resolve matters. They informed me that there is no physical way to contact a member in that department directly, all concerns must go through a mass email account. As of today my account remains blocked and I have yet to hear from XXXX with a response as to why. 

XXXX XXXX = XXXX Customer name = 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 explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I called the agency in XX/XX/XXXXand had payments deferred on the account as I had lost my job with my employer. In XX/XX/XXXX I noticed that late payments were being reported and contacted the agency again. When I spoke with them they stated that they were fix the late payment records to reflect them being deferred. As of now I show late payments for XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: LTD Financial Services, L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX called me and threatened me stating they sent me a letter and if I dont pay the money I will be sued or possibly have my credit damaged for good. I advised them I spoke with milestone and since I was not working at the time my account was written off as bad debt this was done since 2016. This creditor says if I dont pay they will take me to court and damaged my reputation. I was afraid and I give my bank information as they requested. I need your help so this company does not take my money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-05-05
Company: EQUIFAX, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been denied any financing for my XXXX XXXX XXXX THE DEALER TOOK MY TRUCK FOR TRADE I HAVE BEEN STORING THIS CAR FOR YEARS ITS NO LONGER THE BANKS ASSET ITS MINE HERE IS PROVE SOME HIDDEN CONTRACT I NEVER SIGNED WANTS ME TO PAY OFF THE CAR OR ALMOST ALL OF IT THAN SWOOP IN FOR THE DEAL FORGET IT WISE GUY. WHO HAS THE TITLE TO THIS CAR AND REMOVE THAT FILTHY ADVERSE ACTION ON MY CREDIT REPORT ASAP I HAVE POSSESSION AND THATS THAT THE CAR ISNT WORTH ANY MORE THE LOAN OFFICER IS A CROOK AND I AM NOT GOING TO PAY THOUSANDS TO RIDE THE BUS WITHOUT NOTHING EXCEPT A XXXX XXXX DOLLAR ADVERSE MARK ON MY CREDIT OUT OF MY MY TRUCK AND CAR FORGET GET CROOKS THE GIG IS UP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a debit card from CHIME bank on XX/XX/2021. I have never opened, or requested an account with this financial institution. Attempting to contact a representative is impossible over the phone. calling the 800 number listed on the card prompts you to submit an email request. I submitted a request via email and they expected me to take a picture of the debit card, front and back along with the account information ( account number and routing number ) along with My ID. This is suspicious and not standard practice for a financial institution. I work at a bank, and i would never ask for this amount of information over the phone. I want to close this account immediately but not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Admin Recovery, LLC
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:
This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from XXXX XXXX was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from Admin Recovery dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX  and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I sent in letters of Disputes Ive called them many times I explain the situation to no avail they sent me letters Stating Information is accurate this account is not open its closed account they are reporting wrong Information on my credit report well as the Response letters they sent me stating its open account which is wrong this account is five years old XXXX is reporting closed account TransUnion is Reporting open 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 explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: MS
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 filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.

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 2020-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
OPENED SUNTRUST ACCOUNT ON XX/XX/XXXX MADE OPENING DEPOSIT. THEN OM THE XXXX DEPOSITED A CHECK FOR XXXX $ THEY SAID WOULD BE AVAILABLE ON THE XXXX. TRIED TO WITHDRAW THE MONEY ON THE XXXX THEY SAID ACCOUNT WAS BEING INVESTIGTED FOR FRAUD. THE REP SAID AFTER 5 DAYS OF NO ACTIVITY THEY WOULD SEND A LETTER IN 5 TO 7 DAYS THEN A CHECK WITH REMAINING FUNDS 7 TO 10 DAYS AFYER THAT SO ALMOST A MONTH. I JAVE KIDS TO FEED AND BILLS TO PAY I HAVE ALREADY WAITED 2 WEEKS TO HAVE ACCESS TO THIS MONEY. I XXXX  THIS AND THERE ARE DOZENS OF NEWS STORIES AND THOUSANDS OF PEOPLE COMPLAINING ABOUT THIS.

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 2019-04-16
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 see there are so many wrong inquiries on my report, it looks like identity theft case. I tried to contact Credit Bureau for that, even they are having wrong information on my identity. they asked me send my identity by submitting documents like SSN, Driver 's License, etc. I submitted everything, but there is no change in report. however they asked me to contact creditor who did inquiry. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( OK ), I called them and they are not supporting in investigation.I tried to ask them since XX/XX/XXXX, but the problem is same. I can not understand one thing that, it is wrong inquiry reported by some one else, why should I have to pay or wasting my time by calling each and every one to rectify the problem.

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