BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
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: Account information incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: HOME FINANCE OF AMERICA
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to freeze my credit with Transunion. Due to misleading information on their website, I ended up signing up for a subscription to their credit protection service. I cancelled as soon as I realized that I was paying for a monthly subscription to a service rather than the credit freeze I thought I was paying for. I chose the cancel reason of I did not know what I was signing up for. They did not refund my payment. It appears that Transunion is trying to make a profit off of people concerned about the XXXX security breech.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
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:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX. The three credit bureau 's have also failed to respond within 30 days of my disputes in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Merchants and Medical Credit Corporation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2016 collection name is M & M credit XXXX XXXX XXXX XXXX, MI XXXX Amount : XXXX usd This Collection is an amount that I claim no responsibility over the debt is not mine. Im most likely a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.

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 2021-12-24
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: Account status incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, INC.
State: WV
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:
My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
One XX/XX/2019 I was sent a check from an Insurance company. I had been in Contact with XXXX XXXX ( if that was his real name ) I was issued a check for {$2100.00}. I was asked to deposited it into my account ( I had Bank of America at the time ) Which I did via my mobile device. Later I notice their was a spot on the back of the check that states " please check if it is a mobile deposit '' which I never marked, those making my deposit invalid. Bank of America still cleared the check the next day. I have never had Check that large clear so fast. I had left the country so I did not have time to ask why. Late that day I was asked to use XXXX  which is promoted through the Bank of America Mobile App to transfer the money. Not thinking anything of it and I did not want to get in trouble for depositing a check for that amount I did. XXXX to XXXX ( XXXX ) who has an account with XXXX XXXX. He was suppose to be the tech to place the decal on my car. They claimed to not receive the money and ask me to send another XXXX. I told them know I sent the money and I wanted to wait to see what would happen with the " missing '' XXXX. I still had some money left over from the initial deposit so they asked me to send another {$500.00} through XXXX again to a XXXX account. Once again In my mind it wasn't my money so I did not want to get in trouble for fraud. The Money was in my account for 4 Business Days. On the 4th Business Day The XXXX check bounced and now I was severely overdrawn. When I got back in the country I called Bank of America, the department I needed was not open until Monday. I called first the first thing Monday morning on XX/XX/19. Bank of America passed me around to 4 departments before I got to the correct person. They were able to see the transfers and what banks they went through. They opened a claim and told me it would take 10 business days. I waited patiently. I called back the they said they could not get the funds back and the claim was closed.

1. Bank of America is promoting the use of XXXX but you are not offered any protection from fraud.

2.Bank of America accepted the deposit of a fraudulent check that was not properly filled out.

3. Bank of America provided no help, just closed claim. Said I can file a police 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 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Called Capital One in XXXX of 2019, to discuss my payment. I was informed by a representative to pay a certain amount amount. When I paid that amount. Its was not enough when informed by another representative. I was then reported 30 days late to the credit bureau. Capital One was very rude to me when I called them directly. They stated that they had listened to the recorded call but the representative contradicted herself when led me to believe that no one had listened to the call. Im currently unemployed and before XXXX, I contacted Capital One to discuss options for my payment. They had no good options for their customers other than waiving a monthly late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher
's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2017-07-27
Company: Experian Information Solutions Inc.
State: WI
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:
On XXXX XXXX XXXX, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the XXXX. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time

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 2019-05-04
Company: Eagle Accounts Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I shared my info that im facing hardship plus my income was below 25k for the years of XXXX up to XXXX. I also have been taking care of a sick parent that been in & out of the hospital plus helping financially as much as possible. I shown all my copys w2s proof of payments insurances and support payments daycare payment housing but at this time i need help real assistance because my credit is taken a mayor hit for some time now. As a young adult at the age of XXXX teen im now XXXX of age having a bad credit history has effected me because im unable to get a high paying job plus my license as a XXXX XXXX XXXX or driven license to work in the industry i once did were i was making close to $ 80k a year i really need this company that reporting to be remove. When i shown all my info with my lawyer they were suppose to make changes to my account and never did by there lack of work in adjusting my account properly it has put my life financially in a downward spiral because of a high support amount that doesn't reflect the law nor does it reflect my current wages nor does it reflect my current agreement. Past amount was XXXX  a month now it increase to 800 plus bring me to XXXX which i cant pay and may need to file for bankruptcy.

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 2019-09-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX  card in which I spoke to them and told them that the person called me from XXXX  XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX bank back in 2002. XXXX  XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wakefields and Associates, XXXX XXXX WERE REMOVED FROM THE CREDIT FILE. On the reinvestigation XXXX XXXX and Wakefield and Associates, and XXXX XXXX XXXX are all Harassing me and my spouse got us put out by the Sherriff Stolen Property, since creditor came, {$36000.00} XXXX truck, Scooter and Damages to door windows, stolen property, on adding it all. {$200000.00} and they were deleted ever XX/XX/XXXX

Company response to consumer: Closed with explanation