BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
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:
I have an account wi th   XXXX   XXXX   on my a ccount for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My father, Mother and myself were evicted on the date of XX/XX/2016 and just recently I noticed I was being garnished 25 % of my checks every two weeks and I was never informed I had moved and they sent it to the apartment complex even tho the XXXX I spoken with had the correct address then still decided to send it to where it showed I moved from and when I spoke with the miss again asking for a new copy I still havent received it. Then the miss proceeded to inform me that I owed roughly around XXXX dollars and once I pay that amount off I would have to go back to court and i would have to pay even more possible up to XXXX total and she kept telling me if I were to pay the amount of XXXX they would try and settle and after having lawyers and others look into my case and notifying me they correct amount it shows that I would is roughly about XXXX the company

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 2021-11-29
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX  CARD-Date of inquiry XX/XX/2020 XXXX-Date of XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

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 2022-08-29
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was awarded a {$200.00} digital mastercard for taking part in a research study earlier this year ( around XX/XX/2022 ). I have tried using it online various times throughout the year only to have the card declined. I tried calling the company only to either be put on hold and disconnected or go straight to voicemail telling me their system is down. There is no other way to contact this company and I have read other complaints online that are identical to my experience. 

My card is due to expire at the end of the month ( XX/XX/2022 ) and I'm worried that I won't be able to use the money. I even tried requesting a physical plastic card but that my request for that was also denied. 

XXXX is the website used to view the online card. 

Please let me know if there is anything that can be done. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

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 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH SANTANDER BANK IN XXXX AND IN FACT WAS IXXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called over the phone with customer service and made a {$110.00} payment in exchange for them to delete this from my credit report and they have not removed that account from my report.

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 2022-08-04
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 always monitor my credit score. On XX/XX/XXXX it was XXXX and on XX/XX/XXXX it dropped to XXXX for no reason whatso ever. 
I am XXXXXXXX XXXX XXXXXXXX own my home free and clear and have XXXX debt. I pay the balance on my credit card on time with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
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 have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2019-08-21
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
US Bank is selling my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ) via an auction on the XXXX of XXXX, according to a letter I received from the Bank. They called me today to say that they will address my concerns via a letter which will be received by the XXXX of XXXX. I asked if they were still planning to auction off my home, as I am on the title and paid the down payment. I am not on the mortgage, according to the representative, so they could not speak with me about this foreclosure sale. The person who called me gave me the following number - XXXX. 

My name has appeared in the newspaper under the foreclosure of this home, damaging my professional reputation. This is disparagement, and appears to be fraud. 
The bank refuses to speak with me despite a court order signed by co-owner XXXX XXXX authorizing them to speak with me. 
The person on the note is XXXX XXXX XXXX, and his attorney is NY attorney XXXX XXXX. I believe that there are fraudulent documents involved in this case. 

XXXX XXXX was also ordered by the court in XXXX to pay a portion of the mortgage, which he did not do, despite having the funds to pay. This is a case of financial abuse by US Bank, XXXX XXXX, and attorney 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 2022-08-29
Company: EQUIFAX, INC.
State: NJ
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 have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BMW Financial Services NA, LLC
State: CA
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:
Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information.

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: MO
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:
A fraudulent charge of {$230.00} was made on my credit card on XX/XX/XXXX. I reported this charge to the credit card company on the same day it was made. 
I did not have any idea what it was for, and assumed the charge was handled. I was not advised to watch out for merchandise delivered to me and was traveling at the time. When I returned home, as I went through my mail and packages, I opened a large envelope and six bottles of a male enhancement spilled out. I had not ordered this product and I threw it away as it was unsolicited. The credit card company says that this was the benefit I received from the fraudulent order. I had no idea at the time that the two were connected. The merchant never contacted me about the order sent to me unsolicited asking for it back. I believe this was a mail scam and dont know why this company had my credit information, address or email. I am a widow and found this entire experience to be humiliating. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: FL
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 have no knowledge or records of this account on my credit report. 
I have disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please tell me the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009.

Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). 

I also reserve the right to include your Bureau in any legal remedies I pursue.

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 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never been a Bank of America customer nor did I open a new account with them this morning. But, surprisingly, I received 5-6 emails notifying me that I opened a savings account with a confirmation number and approval. I never even applied for any account. I have been trying to get hold of someone at the BOA only to either get bounced around or kept on hold for over an hour. It is XXXX XXXX and this nonsense started at XXXX XXXX this morning. This practice is not only fraudulent and deceiving but also very frustrating! It has taken my valuable time away from my patients and family and caused unnecessary headaches and hardship. What's even worse is that I do not have a resolution yet. 

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 2017-06-13
Company: Mercedes Benz Financial Services
State: FL
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:
OnXXXX 2016, my Mercedes Benz lease was transferred over to someone else. I received all the letters from MBFS saying that the process has been finished. After numerous times talking with MBFS they agreed to remove the account from my credit report, it has been removed from my XXXX credit report but it still shows as open with XXXX, i have not been able to force XXXX to remove it because MBFS simply does n't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivable Performance Management ( RPM ) and XXXX sent false and inaccurate collection to XXXX that reduced my credit score by XXXX points. XXXX had referred me to RPM at XXXX as the debt manager. When I called RPM on XX/XX/XXXX and complained about XXXX and not receiving notice from RPM before reporting a collection, they decided to send it back to XXXX. Thereafter, I called XXXX again and talked to many managers at different times. Between then and now, I have found out that RPM and XXXX have changed some of the information that they told me was on my file. One of the representatives told me on XX/XX/XXXX that the information about my request to terminate in XXXX and XX/XX/XXXX are there and that it was just that they decided not to follow my instructions based on government directives. One XXXX who introduced himself as a Senior Analyst called today to deny the termination letter sent by XXXX on XX/XX/XXXX, and XX/XX/XXXX. He claimed twice that I called in XX/XX/XXXX and XXXX XXXX, I told him again that I never talked to any XXXX representative between XX/XX/XXXX and XX/XX/XXXX. Even though he later said he made a mistake for saying that I called in XX/XX/XXXX, I don't think it was a mistake because two different XXXX employees I talked to on XX/XX/XXXX said that I called in XX/XX/XXXX and XX/XX/XXXX which I denied. Obviously, XXXX has made many false statements to me and at the same time using my conversations to cover things up based on my questions to them.

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