BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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:
Due to XXXX XXXX XXXX refusal to investigate an unauthorized transaction on my account, I paid balance due and requested that my credit card account be closed. 
I was assured my credit card is closed with {$0.00} and e-mail was sent on the day of closing, with a letter received a week later ( XX/XX/XXXX or thereabouts ). 
I opened a dispute with Equifax as XXXX XXXX XXXX refused to update my credit card as closed and falsely listed account as open with a balance. 
On XX/XX/2019, nearly 2 weeks after my credit report should have reported account closing, XXXX XXXX falsely certified to Equifax that my account is still open. 

I also called XXXX XXXXXXXX and spoke to representatives on XX/XX/XXXX. The representative I spoke with affirmed he could see my credit bureau dispute. And representative insisted XXXX XXXX  XXXX is under no obligation to update my credit report till the company wants to update it. I recorded phone call and it can be provided on cfpbs demand. 
I attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 2023-05-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Retention Consulting Services Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!

Company response to consumer: Untimely response
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for credit one bank 15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please see below account # XXXX is a old XXXX XXXX credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason XXXX XXXX has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year XXXX XXXX Customer and owe absolutely nothing and have never been a day late on any obligation. I called the XXXX XXXX Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The XXXX XXXX Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: MD
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:
XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.

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 2020-07-27
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXXXX/XX/XXXX, I turned in a XXXX XXXX  XXXX at the near end of the lease prompted by encouragement from the dealership ( XXXX XXXX XXXX XXXX XXXX, SC ). The dealership put me in a new XXXX XXXX XXXX with a new lease. Despite the lease still having 3 remaining payments on it, the dealership said they would take care of it as an incentive for leasing the new XXXX XXXX. Additionally, Kia Motors Finance provided me with statements showing the lease with a XXXX ( {$0.00} ) balance. Please see screenshots and documents attached. 
Now, Kia Motors Finance has sent me letters stating I owe {$680.00} ( 3 payments ). This is wrong as they already paid off the XXXX XXXX   XXXX lease. 
I mailed them a letter in XXXX responding to this debt collection effort and a subsequent one in XXXX. I believe that in failing to respond to my letter in writing from XXXX, Kia Motors Finance is in violation of the Fair Debt Collections Practices Act as well as Regulation X for sending another copy of the same letter without addressing my concerns. Copies of my letters and the Kia Motors Finance website are attached.

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been on automatic payments with my Bank of America credit card and then all of a sudden, I get reported as 30 days late on my credit report and got a phone call from a customer service rep. There is no way. My payments were coming out on auto pay so how was I 30 days late. Then I made a payment and they lowered my credit limit to {$2300.00}. I just paid another {$1200.00} on my credit card too. I was doing everything I could to be responsible and make on time payments. Now I feel like I just keep getting punished. I was reported as late after I thought it was on auto pay and then my credit limit gets lowered.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX  veterans will be completely erased,, I hereby respectfully request that Transunion and XXXX erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.

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 2023-01-18
Company: EQUIFAX, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX 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  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is a group of XXXX members or more claiming that I received medicine, healthcare, finance, and radiology. The debt is ruining my credit file and destroying my developmental history. She wants money from a third party that the Consumer Financial Protection Bureau filed a bankruptcy against to give her the money instead of me. That is why she is following me everywhere from state to state. She is money mad!

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 2020-10-19
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, I noticed my credit score drop over XXXX points on XXXX  and XXXX. I saw A new account with a balance over XXXX from JPMCB Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I stopped automatic payments from my checking account for my Synchrony credit card over six months ago with my bank XXXXXXXX XXXX  and also three times with Synchrony Bank!! Yet Synchrony has continued to debit my bank account after I stopped authorization for them to do so numerous times including today for {$510.00} which is more than half of the balance on the credit card!! It did not go through and wont be as there is no money in my account!! I also told them to CEASE and DESIST, which they also are not adhering to!! The bank contacted me by email to let me know about the debit through my alerts I set up!! I called XXXX to ask them why this ACH was allowed to go through from Synchrony Bank as I had already had them put a stop payment on the account in the past and also withdrew my authorization with Synchrony Bank! They said because I did not set the autopay up through them and instead did it on Synchrony Banks side that they can get around it and keep trying to take money and I would have to contact them to stop all, which I have already done three times, or they said they could freeze my account so no money could be withdrawn but only deposited but my direct deposit and other payments go in and out of it so I told them I would file a complaint with you instead and let you hand deliver the note to Synchrony Bank to STOP ALL ACH and AUTOPAYS from my account immediately and CEASE and DESIST!!!! I also want you to fine them for breaking the laws!!! Why are they not noting on their website and in all their credit card documentation that autopay set up for ACH can not be stopped? Their website clearly lets you start and stop them at will yet they claim they can not be stopped!! Liars and Crooks!!! I HATE lawbreakers and deceitful trash like these people!!! Make them alter all in their documentation and fine them or I will start a very large class action lawsuit and make them do so myself!!!

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 2019-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was compromised and so I froze my credit report on all three bureaus. I am a XXXX and using a service to do XXXX background check and the XXXX system relies on Experian 's data. I temporarily unfroze my credit report to be able to use the XXXX XXXX  XXXX  system. When the system tries to validate my identity, at least half the questions do not relate to any recent transactions that I have done ( e.g. where did you buy pet insurance recently? ). As a result, I've been locked out the system. I've tried two separate days thinking the incident was just a fluke since I see nothing on my Experian credit report that is unknown to me ( including a review of all hard inquiries ). I tried calling Experian through XXXX and XXXX to inform them that something was wrong and have been unable to get anyone on the phone. For someone with compromised identity and a valid pin number issued by Experian, I'd like to be able to talk to a human being as I don't know if this was an internal system error ( e.g. my file being crossed with someone else 's ) or if someone had used my personal information for other purposes than the account recently discovered.

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 2019-08-22
Company: EQUIFAX, INC.
State: CA
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. These are suspicious to me and so kindly delete asap : XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Alpine Credit, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Alpine Credit Inc. on XX/XX/XXXX I spoke to a representative in regards to a medical debt I owed. I asked the rep if they were willing to offer a settlement to pay two debts that were in their office. The rep said they were willing to give me a settlement offer to pay these two debts in full she gave me that dollar amount I told her that I would send them a check in that amount to have these two accounts paid in full. I then asked her once she received my payment could I get a paid in full invoice, she said that I needed to call back and that once the payment was received they would send me a paid in full invoice. 

I called back on XX/XX/XXXX to make sure they received my payment and get the paid in full invoice. The rep I spoke to told me that my accounts were not paid in full and that I owed additional money and that they would not be sending me an invoice that these accounts that were paid. I told her that I spoke to a rep on XX/XX/XXXX she told me a dollar amount to send that would pay these accounts in full. The rep then told me that I was must have misunderstood because the notes the other rep had put in computer showed that I was only receiving {$25.00} off my balance and that I needed to send them more money. I then asked the rep if I could speak to a supervisor because that is not what I was told, she told me she was the supervisor and that I still needed to send more money. I asked her if all the calls were recorded she said yes they were I asked her to review the recordings to clear this up. The rep said she would and would get back to me in a couple of days. 

I called back on the XX/XX/XXXX I was told the rep I have been working with was at lunch and to leave a voice mail, so I did asking her to call me back. I did n't get a call back from her so I called again on the XX/XX/XXXX left anther voice mail. Still after not getting a call back I called on Friday XX/XX/XXXX spoke to another rep she said that the rep I have been working with was reviewing my file and that I would receive a call back that day which was XX/XX/XXXX, I never received a call back.

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