BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: TN
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 complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my XXXX XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, XXXX  and Experian have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.

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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: TX
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: Problem with personal statement of dispute

Complaint:
Spoke with JPMCB in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax Consumer Reporting Agency on XX/XX/XXXX regarding unverified accounts from XXXX XXXX and Department of Education that have remained on my credit report. I originally disputed this information in XXXX of XXXX and multiple times in XXXX of XXXX as per my previous CFPB report. I was provided an investigation in response to my original dispute and was not provided verifiable information that supports that this agency can report these accounts. I also submitted a final notice of deletion via mail in XXXX of XXXX due to receiving inconsistent reports from Equifax regarding my results, and these report numbers were included in my mailed letter which was also provided to the FTC in XXXX of XXXX. Finally, in XXXX of XXXX I requested proper verification for these accounts and have been provided no new information that has been different from the unverifiable information provided during my first dispute. A total of 4 representatives from Equifax confirmed over the phone on XX/XX/XXXX that this information has still been unverified according to the FCRA but still remains on my credit report. These 4 representatives and Equifax are ignoring 15 USC 1681b by refusing to remove this information that they have not received permissible purpose to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per 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 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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:
In 2020 around XXXX I got notified that I am overdue payments on my SUV  which was leased even though I have set up automatic payment. I tried to reach out to the KIA motor financials ( KMFS ) and they told that it was the tax amount owed by me. I had asked them to send me the invoice for it, but they said they dont have any and they get billed by the Government and I have to pay the same. 

The customer service agent on the line told me that there was a management change in KMFS and they are collecting this amount earlier. Usually they wait till end of the term, but I am liable for it. He also mentions that there are several other people who dont know about this tax and they get hit by this bill and they call them. He directed me to talk to the Municipality. I told the agent that I will talk to them and get back. I talked to them and found that the amount mentioned was wrong. 

Before I can do this they reported me to the credit agency that I was overdue on the payment. I called them and let them know the history and asked them to remove the default note on my credit report. KMFS customer service said they weren't responsible and they did not even transfer the call to anyone who can take care of the situation. 

Also, I paid the amount after that and no follow up came through on the issue even though I requested it. I reported the same to my credit reporter ( XXXX  ). They tried twice and they came back saying that KMFS did not agree to remove the listing. Hence writing to see how to resolve this. In summary 1. This amount has got tagged on to my invoice even though I told them to include all the known cost while leasing the vehicle and set up the amount as a monthly recurring payment. 
2. KMFS were unable to provide any evidence that I am liable for a certain amount and I had to overpay them to resolve the situation. 
3. Now even with the fault on their side and trying to adjust to the new management, they have put me in as a defaulter which has affected my credit score badly.

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 2019-03-05
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at XXXX XXXX, XXXX XXXX from Conrad Credit Corporation called me and left a voicemail on my cell phone. I sent a letter to the company that same day by fax and by mail stating that I can not get calls at work and I ask that you please stop calling me and communicate by mail only please. On XX/XX/2019 I received another voicemail from XXXX XXXX at Conrad Credit Corporation post revocation of consent to be contacted by phone and while I was at work, which actually got me into trouble. I have tried to ask this company nicely to stop, but they call anyways. I am requesting that the CFPB please investigate accordingly. No lawsuits have been filed yet, but I want them to contact my attorney ASAP to resolve this violation of The Fair Debt Collections Practices Act. 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2019, ( weeks 3-5 ) I encountered a breach in my COMERICA BANK checking account, and COMERICA BANK did not notice ; this was likely due to a breach in their online services and my account was hacked, which allowed a piece of sh*t to try to steal over {$25000.00} directly from my checking account. The follow-up from the bank was pathetic, and I was not notified of any actions taken when MY MONEY WAS STOLEN ON THEIR WATCH! This is completely insane, really, and I deserve answers, not a non-response and a nearly-impossible-to-contact company who tries to use automated answering robots instead of actual humans ( I called 4 different times today and the stupid automated voice said the same thing each time " we are experiencing a high volume of calls, your wait time will be about 40mins '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Saturday XX/XX/2019, I tried to deposit money into the OUTSIDE Regions ATM where the machine proceeded to snatch {$300.00} of my money and spit it out. I then tried to straighten out the bills and reinserted the {$300.00}. The ATM screen then turned Black and said shutting down. The atm machine still had both my card and the {$300.00}. It rebooted and kept both my card and the {$300.00}. No one knows how to fix this and I want my money. We are now on the verge of losing of losing things

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 2020-05-20
Company: Credit Control, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I deposited, into my personal XXXX account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called XXXX corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed XXXX the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. Thank you

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 2020-09-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-12-11
Company: EQUIFAX, INC.
State: NV
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:
After reading the warning updates that I get from the FTC I decided to check into my credit report because it is now free weekly. I went through all the steps to get my credit reports from all three major credit reporting companies and to my surprise there was some excuse as to why I could not get them some of it said technical other one said that I had to get it by mail that I couldn't get it online but in any case all three companies basically did not come through at a credit report that sounds a little suspicious to me. So I just wanted to let someone know I will try to follow up with phone calls but this is already more of a hassle that I am supposed to have to deal with being that I'm supposed to just be able to click and get my credit reports free but that's not happening. Thank you Your system would not allow me to enter the last 4 of my SSN. I have no idea why. So you might want to look into that. 
The last for are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
To Whom it may concern. It appears that numerous violations of the Consumer Protection Act may have occurred in connection with a debt Portfolio Recovery Associates has purchased from a creditor and has attempted to collect from me. The violations are as follows : Portfolio Recovery Associates continues to report debt to the credit bureaus that is too old to report as prohibited by the Fair Credit Reporting Act. The purported debts day of first delinquency occurred more than 7.5 years ago. The tradeline should be removed from my credit report. 
Portfolio Recover Associates may have retaliated against me for exercising my rights under the Consumer Protection Act when I disputed the debt in accordance with the FCRA in 2019. When I disputed the debt for being too old with XXXX  in 2019, instead of removing the tradeline due to age, Portfolio Recovery Associates updated the report to extended the date the derogatory trade would stay on my credit report by an additional ~1.5 years without explanation.

Portfolio Recovery Associates continues to violate the Telephone Consumer Protection Act by contacting my cellular telephone with an automatic telephone dialer without my prior express consent. 
Portfolio Recovery Associates has violated the Fair Debt Collections Act by placing telephone calls to my telephone before XXXX local time. 
Portfolio Recovery Associates may be in violation of Regulation Z by reporting the debt as late every month to the Bureaus without providing periodic statements within 21 days before payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-12-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a title loan with XXXX XXXX on line. the only way they would approve my loan was a title loan. I discussed the contract over the phone with a XXXX XXXX agent. we discussed interest rates from 6-35 % at the highest. desperate for a loan to pay my house taxes, I agreed to the terms of contract without seeing the contract, since 35 % interest rate was the highest we had discussed. I had not seen any contract at the time I agreed. After 1 year of payments I relentlessly asked for a copy of the loan contract because my balance never became lower. I contacted a lawyer to help me since I couldn't even obtain a copy of contract. he needed a copy of contract and payment history. by now it had been one year and ten months. To my surprise I finally received a copy and my interest rate was 149 %! I am a XXXX year old XXXX  veteran, and am on a fixed income. I'm hoping the cfpb can help me enforce " the military lending act ''. This has to be a crime, how can this be legal in the United States of America for which I served proudly in XXXX. The loan date started on XX/XX/XXXX, the original loan amount was {$2800.00}. As of today XX/XX/XXXX my principal balance is {$2600.00} and my interest balance is {$920.00} .My balance is a total of {$3500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I  have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open

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 2017-09-15
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Noticed this account on my report and I 've never heard of this company or even know who they are collecting on the behalf of, they have never sent anything, just added this errenous account to my report as a collection.

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