BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Colony Brands, Inc.
State: KY
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:
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports.

Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX  data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-10-14
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX used Zelle to send me {$240.00} on XX/XX/22. And I received a receipt from Zelle via email confirming the transfer. 

I have never received the {$240.00}, and XXXX has stated that I am correctly signed up for Zelle, with the proper email address. XXXX had record of the Zelle {$240.00} deposit.

Zelle customer service has been Zero help, and have referred me to XXXX, and XXXX has no record of Zelle transferring the funds.

The money is simply lost. And again, Zelles foreign telephone answering service employs have provided no help other than wait longer, now 28 days. I would like my {$240.00}, and accountability from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. 

After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. 

The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. 

Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: AZ
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:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 and 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 2021-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Equifax that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Equifax is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: NVR INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NVR initially approved my loan and then spent 7 months lowering my credit score by making hard inquiries every month. They then told my builder they were denying me a loan due to a low score. During the process NVR continued to collect my information as if they were going to approve the loan but did everything to lower my credit score to charge me a higher interest rate. As a XXXX vet with a guaranteed loan I feel they did this on purpose to discriminate against me. I complained to them and the builder who owns the company. The builder told me they were going to cancel my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having a issue with the Branch Manager ( XXXX ) that sent my account to the Fraud Department and closed my account without any explanation. I was questioned about my XXXX XXXX Loan for that was approved and funding by the SBA. I was only able to access a small portion of my loan funds and then my account was froze for no reason. My account # XXXX. I feel they are being XXXX and biased. I have never been treating like a criminal like this ever before in my life. My loan was approved and the funds were sent to the account without any issues. So how is it Chase can steall my money that I have to pay back on this SBA Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this account. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Accounts Research, Inc.
State: GA
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:
On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under Accounts Research Inc. ). And on XX/XX/XXXX, I sent a letters to XXXX, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus 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 explanation
Consumer complaint received 2020-07-03
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lockhart, Morris & Montgomery appeared on my XXXX  and XXXX credit report XXXX or XX/XX/XXXX. I disputed with the bureaus immediately and days later, the response from the agencies " debt valid. '' I then submitted to the XXXX  and asked them to contact my phone and this was refused. Too many unanswered questions with this I requested validation XX/XX/XXXX and confirmation of delivery XX/XX/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 2018-12-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On numerous occasions I have disputed incorrect addresses reporting on my XXXX  credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number 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 2021-05-27
Company: EQUIFAX, INC.
State: TX
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:
filed ftc report about inquiries listed that i did not initiate. consent to, authorize nor recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX  this action might constitute fraud under both federal and state laws.

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 2020-07-28
Company: EQUIFAX, INC.
State: AZ
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 tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the XXXX XXXX  itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Experian ) this action might constitute fraud under both federal and state laws.

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
American Express Serve Card permanently suspended by account on XX/XX/2020 with a balance of at least {$450.00} in account plus a dispute I won of {$4100.00} later deposited in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your American Express Serve Card Account, Subaccount ( s ), Goals or XXXX XXXX $ TM balance to evade an investigation or a disputed transaction ( s ). You may not close your American Express Serve Card Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to American Express Serve Card Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated American Express Serve Card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 
I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been almost a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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:
XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was disputed thru my insurance company and they recieved no response.I have had XXXX XXXX XXXX since XXXX.I submitted all crudentials at time of emergency room visit.This debt is 6 yrs old and has expired the time they can legally collct.I also disputed this thru XXXX  and recieved a email that the account was closed and would be deleted from my credit report.I never recieved any notification whatsoever in 6 yrs concerning any issues wXXXX having a problem w.payment.My insurance company never recieved any notification in referrence to this bill.I only became aware when contacted by commonwealth debt collection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax shows no active accounts on my report even though I have had a XXXX XXXX credit card account in good standing for over 20 years. 
They did show it, and the balance was wrong so I disputed the amount. At that point they began showing that the account does not exist. 
I have notified them of the problem and spoke with XXXX XXXX. XXXX XXXX assured me that Equifax has been receiving reports which show my account is active and in good standing.

Company response to consumer: Closed with explanation