BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
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:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.

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 2021-05-03
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit reports and saw an account for Lobel for an auto repossession. The account is very old and i can not afford to pay for the total amount. I would like to settle for {$1000.00}. They call me monthly and i have told them to stop calling. they are violating the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Torriere Holdings INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently one of my creditors charged off my account. Spire Recovery purchased the bad debt. I was contacted by a representative from Spire Recovery informing me that she was authorized to collect the payments on my outstanding debt. She told me the amount that was due, I disagreed with the amount. I told her that I would contact the original creditor. I also asked for a debt validation letter. the representative told me that I should have received written notification. I told her that I didn't and asked if she could resend the debt validation letter or email the information to me. She refused. I asked for the company 's address, she refused to give me the address, indicating I didn't need it. She also stated that she was surprised that my account was still in their office because it was now a legal matter. 

On XX/XX/2021 One of the Representatives called one of my friends and left a voicemail. She identified herself by name and said " I am documenting my failure to communicate with our office and provide a documented statement, we are required to update and submit a written refusal to comply with our recordings of our attempt to reach you. This matter will be submitted further the end of the business day on XX/XX/XXXX ''. 

I called this representative and explained to her that I did not provide authorization for her to contact one of my friends. She responded stating that I gave authorization to her client and names and addresses were included in the information she received from my client. I repeated that I never gave her or her company authorization to contact my friends. I asked again for a debt validation letter and was unsuccessful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: LA
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:
I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXX XXXX XXXXXXXX # 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 2022-10-07
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : 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 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I closed account either in XXXX or XX/XX/2021. I then paid off the account XX/XX/2021 based on statement on the online account for Capitol One. I then went today to cancel another service I had through them XXXX XXXX and saw that I still owed money for the account that I had paid off. 
I called customer service to ask why I had this charge. I was advised by a CSR that I had to call in for final payment amount BUT there is NOTHING in writing on statement that states I need to make this call for final payoff of account. I did pay it BUT I advised that I wanted to file a complaint that this needs to be communicated with their customers. 
This needs to be in writing for ALL to know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I placed an order from the website XXXX XXXX XXXX XXXX in the amount of {$280.00}. I was led to BELIVE that the website was official and I was wrong. After a week I sent them an email about my order and about how I hadnt received a tracking number or invoice number just an order number that I couldnt even use. I was sent a response that it would take 3 weeks to make the order and another week for shipping. After about two weeks I attempted to contact the company XXXX XXXX XXXX XXXX and there website had been deactivated. At that time I contacted my XXXX XXXX  card ( my unemployment benefit card ) to file a dispute about this scam and retrieve my money back around mid XXXX. I filled about the paperwork twice sent one through mail and one through fax. When I called the card for an update about this around the first of XXXX they told me it was denied because they never received paperwork for my dispute claim. I was told that I would have to reopen my claim and submit paperwork again. So I did so via fax again because with the pandemic I figured it was lost in the mail. After faxing off the paperwork needed I called the next week around XX/XX/XXXX for an update mind you every time I call Im usually on hold for 2 or more hours before I can speak with a representative. When I did speak with someone the told me that my claim was still in denial status and needed to be escalated. I have tried to hard to request call backs for supervisors and administrators about this issues and they seem to never be available. After failing to be granted access to speak with a supervisor I was ultimately told to just keep calling back because after it is escalated there is no real time frame for them to investigate the claim. So I called XXXX XXXX all with no updates on my claim. I called again for the last time XX/XX/XXXX and they finally updated me that my claim was denied again for not receiving paperwork. At this point its ridiculous and very frustrating that the same card company that is supposed to protect my money wont. I have included several screenshot of the website and its fraudulent messages complaints from the XXXX  they ( XXXX  ) have been scamming people out of there money and I just wish I would have done my own research before even playing an order Im asking as a single self employed mother of 3 I have been fighting for over 6months with XXXX  XXXX card for a refund of my money. I have provided every bit of information that I have and could find to support and prove that this company the XXXX is a scam company. Please help me get my money back. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

XXXX. XXXX XXXXXXXX XXXX XXXX  as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. XXXX XXXX XXXX XXXX sold the account to XXXX XXXX XXXX in which I did not give consent 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Did not receive notice for interest rate increase and when I called they explained nothing they can do couldnt even tell me when interest rate increase took place and could not negotiate with me could not even look into their own system to tell me. 30 % apr

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters. 

I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor. 

However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding. 

The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all 3 credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.

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 2018-02-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, I'm writing to you in the hopes that you will assist us with resolving our foreclosure issue with Chase Bank. 3 years ago, my wife was diagnosed with a very serious medical condition and, with the number of medical expenses that followed, we fell behind on our mortgage payments. She's better now and I have more than enough disposable income to Warrant modifying our loan and returning the good-faith payment. Chase has denied my modification requests for 2 years now! I've included a copy of my income and expenses, for your proof that we are able to handle our payments. Will you please assist us immediately?? The psychological toll is beginning to affect my wife 's health again - thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: NCB Management Services Inc.
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 a collection on my credit repot from NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX XXXX. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Santander Consumer USA Holdings Inc.
State: LA
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 a victim of identity theft. I have filed a police report and filed a complaint through the XXXX. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation