BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.

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 2021-04-09
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from Kia XXXX of XXXX and cancelled a warranty that was initially applied to the loan on XX/XX/XXXX. The dealership sent the check for {$5300.00} to Kia finance in XX/XX/XXXX. The dealership accidentally sent two checks for this amount to Kia finance. Kia finance applied these checks to the account twice, and once they were made aware of this mistake they took both amounts off the balance. I am still owed {$5300.00} for cancelling the warranty. Calls were made to Kia finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time a call was made, Kia finance stated that it would be 3-5 business days before it would be applied to the principle, and this has not happened yet. On XX/XX/XXXX a representative stated that the refund was denied on XX/XX/XXXX, but could not see why it was denied. I requested to speak to a manager who said that he could not give me any updates and I would have to keep calling back, when I asked to speak to his manager he put me on hold for over 30 minutes and then hung up on 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2018-02-26
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home XXXX, XXXX and my mortgage loan was sold to WellsFargo. I contacted WellsFargo in early XXXX, XXXX as it showed that my property taxes paid were {$2.00}. During the phone call I let the company know that my property taxes should be significantly higher. I received a letter on XX/XX/XXXX that my property taxes were past due in the amount of {$6400.00}, which was paid in addition to a " misc fee '' of {$620.00}. I have contacted WellsFargo numerous times for resolution however after 3 months I still do not know anything. I need my XXXX tax statement revised to reflect the property tax I paid in the amount of {$6400.00} not {$2.00}! With the new tax bill I can not have that amount go towards my XXXX taxes. I elected to have my mortgage company pay my taxes so they have a responsibility to pay them timely and not charge me late fees of {$620.00}. This has delayed getting my XXXX taxes completed.

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 2018-02-26
Company: I.C. System, Inc.
State: VA
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:
I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. 

I contacted XXXX  and disputed the debt and as of XXXX Experian has removed it from my credit report. 

Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN 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 2018-02-26
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to chase auto in regards to account number XXXX and XXXX XXXX XXXX XXXX and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let chase auto send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by chase and there was a 30 late inXX/XX/XXXXfor non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency isXX/XX/XXXXXX/XX/XXXXthey also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. This account should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, 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:
I have sent several certified letters to Equifax ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, There are four Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information.

For example, on my XXXX Report there are CAVALRY PORTFOLIO SERV with an open date of XX/XX/XXXX ; XXXX XXXX XXXX with an open date ofXX/XX/XXXX ; XXXX XXXX with an open date ofXX/XX/XXXXand a XXXX XXXX with a open date of XX/XX/XXXX. XXXX   and XXXX have similar Collections reported.

Last year, I contacted the three Credit Reporting Agencies about these four collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported.

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these four erroneous collection reports removed from my three credit reports?

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609,  to request information regarding inquiries that are listed on my consumer credit report : Bank of America, XXXX XXXX, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 2021-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report on the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took 2 weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car in XX/XX/2004and it was financed through Wells Fargo. I have made all payments on time and never received my title.

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 2017-09-20
Company: Navient Solutions, LLC.
State: NY
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 consolidated my Federal Student Loans with XXXX in XXXX 2016, but Navient is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting Navient both verbally and in writing about correcting this information. Navient is no longer the agencies for my Student Loans, the accounts have been paid in full to Navient, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Apparently in 2017 a XXXX XXXX was opened and used under my name this card was never opened by me nor used by me. I'm now in a collection dispute with the attorneys at Midland Credit Management , Inc . 

I have told them this is fraudulent charges to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
At Citibank, I opened a checking account with opening bonus offer.

XX/XX/XXXXI opened and deposited XXXX  . XX/XX/XXXX I deposited XXXX $ XX/XX/XXXX I withdraw XXXX $ XX/XX/XXXX~XX/XX/XXXX is 62 days and I met the bonus term and waited.XX/XX/XXXX I inquire the bonus and citibank says : Unfortunately, your account does not qualify for the promotion because the required amount of deposit was not maintained within stated timeframe. The term was : Open a new checking account in the Citibank Account Package by XX/XX/XXXX.  

Within 30 days after account opening, deposit {$15000.00} or more in new-to-Citibank funds into new checking Account or new or existing Savings Plus Account or Citi Savings Account.

A minimum balance of {$15000.00} is required to be maintained in the new checking or new or eligible Savings Plus Account or Citi Savings Account for 60 days from the date that the {$15000.00} deposit is made.

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 2020-06-03
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of 2020, I borrowed a total of {$2000.00} from these people. 

Then my work was severely impacted by the coronavirus shutdowns. I have already paid about {$500.00} in interest, or about 20 %. 

I've attempted to setup a payment plan with them, but they won't stop the accumulation of interest. They are now saying I owe them {$3100.00}. They will soon double the amount. 

At XXXX years old, I am not optimistic about finding new employment. My hours are starting to come back up, but I'm a long way in the hole. 

All I want is for them to accept the {$500.00} interest I've paid them, and let me repay the loan amount of $ 2000 monthly. 

They have done NOTHING to compensate for the pandemic. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CMK Investments Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to track down and/or receive a credit balance of approximately {$11000.00} resulting from a misdirected overpayment of {$15000.00}. This has been going on since XX/XX/2018.

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 2021-02-10
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My partial identity was apparently used to open two different accounts with US bank on XX/XX/XXXX and on XX/XX/XXXX according to XXXX  records, both accounts were fraudulently opened using an address and phone number not associated with me and apparently they submitted payments using a bank account not associated with me as investigator XXXX from the fraud department of us bank was able to verify by calling the bank with me online and hearing from the XXXX XXXX agent that this account was not associated with me. 
I learned of the existence of these fraudulent accouts through XXXX  after reviewing the annual free copy of XXXX  and not because US Bank has communicated with me at the time these accounts were opened or any other time, neither by letter, nor by account statements., phone calls or emails, not even when I opened my first dispute through XXXX  in XX/XX/XXXX when I reported the two fraudulent accounts and on XX/XX/XXXX they denied my dispute without having 100 % accurate information of my identity and so on I was also denied on XX/XX/XXXX ensuring that the information had been verified as AUTHENTIC, which is not real as I can prove through my DL, phone number, email address etc. 
After several months trying to resolve this negative situation through XXXX  and XXXX  without any favorable or valid results, I decided to contact US Bank directly and finally this morning the agent XXXX from the fraud department called me with a defiant attitude and without any professional ethics. nor any valid proof, He try to make myself responsible for a debt that does not correspond to me and accuse myself of being a liar and forcing myself to call XXXX XXXX to verify with the bank that the account that US Bank had as a reference of payments made to those fraudulent accounts indeed did not belong to me, yet So he refused to remove those fraudulent accounts from my record claiming that he still has evidence against me even though the address, phone number, email and bank account from XXXX XXXX are not associated with me Upon hearing this, I asked him to speak to his supervisor to try to find a coherent answer, and he denied that option, telling me that the supervisor would call me in 48 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent NCA two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$1400.00}. The company has failed to respond to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm tired of them not updating my balance to people so they can see my balances and I 'm also tired of have money then week later it just disappears because there balance system does n't update right nor on 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