BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Carter-Young, Inc.
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi XXXX XXXX card ( ending in XXXX XXXX which I no longer use. I'd called to request that the card be cancelled months ago only to learn in XXXX it was not. There was a balance from a forgotten recurrent charge ( one no longer charged to the card ) so I paid the balance in full on XX/XX/2021 and closed the account and cancelled the card. I had a {$0.00} balance as of that day. I called and had the card cancelled and the account closed. 

Despite carrying a {$0.00} balance, closing the card and cancelling the account, I was charged a {$2.00} interest charge and a {$40.00} late fee XX/XX/2021. 

I was unaware that there was anything to be paid on the card as I had not used it in months and carried, to my knowledge, a {$0.00} balance. 

I was charged another {$.00} interest charge and another {$40.00} late fee on XX/XX/2021. I currently have a balance of XXXX on a closed account with no charges and a {$0.00} charge balance. 

I called Citi to resolve the issue on XX/XX/2021. The representative I spoke to did not resolve the matter then either the call dropped or the representative disconnected. These charges seem predatory. I don't know what further action I could have taken to avoid these fees. As it was, the balance was {$0.00} and the account and card were closed. 

Thank you for your assistance. 

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 monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. 

Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I believe my vehicle loan had discrepancies in various fees and interest rate charged. I believe I fall under the settlement and am owed money 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
Consumer complaint received 2020-09-11
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit management LP is trying to collect a debt of {$210.00} not owed. this is not my debt i dont know who this company is and they have added a negative and derogatory mark on my credit score.this is illegal

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Receive a responds stating my dispute was verified. I requested a Method of Verification and it was not provided. I have proof from the courts that they don't provide any proof to credit agencies and they informed me although it's public records the courts do not report to any agencies. I was informed by a representative that your agency do receive files from a 3rd party vendor.

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 2018-07-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing, LLC ( SLS ) is holding a lien on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) that was paid off by a third party investor without my knowledge. In addition, SLS is demanding that I pay them $ 43,000+ when they never provided nor forwarded information addressing my concerns of the originator 's Power of Attorney and the trail of mortgage assignments.

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 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I had reported fraud to Bank of America ( my  bank ) in regards to my debit card. I have filed a claim already with the CFPB ( XXXX ) about this situation. The fraudulent charge was from XXXX. XXXX assured me my account with them was closed. Bank of America processed a " stop reoccurring payments '' to XXXX on my old, cancelled debit card. 

This morning I logged into my checking account with Bank of America and saw another charge from them. I contacted Bank of America and was told the only way to even investigate the fraud was to cancel my card again. I couldn't understand how XXXX even got my new card number even though I no longer have an account with them. The BoA representative informed me that XXXX is able to force through transactions but having stopped payments from my checking account to them, I still don't understand how that is allowed by the bank. I was told I should have put a second stop payment on my new card once it was received. Since I was never told that, somehow this charge was allowed to be processed and now I have to wait again for a new debit card. Yet once again, I am left unsatisfied because this should have been prevented by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX statement USAA POLICY TO BEGIN INVESTIGATIONS USAA POSTS Adjustment Purchases which are internal temporary credits until merchant credits post while investigating TOTAL {$320.00}. ( WHY DID USAA POST TEMPORARY CREDITS OF {$320.00} XX/XX/XXXX IF NO FRAUDULENT ACTIVITY ON THIS ACCOUNT? ) see attatched XX/XX/XXXX statement Adjustment Purchases Temporary Credits TO BEGIN FRAUD INVESTIGATIONS TOTAL {$1.00}, XXXX WHY DID USAA POST THESE TEMPORARY CREDITS? THERE IS NO RESOLVE TO ANY OF THIS FRAUD XX/XX/XXXX & XX/XX/XXXX TOTALING {$2.00}, XXXX. BEGINING INVESTIGATIONS OF FRAUD NEVER RESOLVED.??? WHAT IS RESOLVE OF ALL THESE INVESTIGATIONS BEGUN XX/XX/XXXX & XX/XX/XXXX?? STATUES STATE 2 BILLING PERIODS RESOLVE. Why has there been no documentation OF COMPLETION OF THESE INVESTIGATIONS.?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AMERICAN HONDA FINANCE CORP
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:
I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called Equifax to remove a fraud alert from my file that I DID NOT place on there, and they told me they could not verify me after providing them with BOTH my social and date of birth. They asked me to email them a selfie, social security card, and my drivers license. First off I do not even recall giving Equifax the consent to even having my personal information to begin with so them asking for not only my drivers license and social security card but also a SELFIE is ridiculous. The companies that I actually do business with does not even ask me for this information. As a consumer, I should not have to provide equifax any of that information in order to remove a fraud alert that I DID NOT place from a report that was furnished about me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Cards will not work at any XXXX XXXX XXXX  ATM and will not work anywhere moat the time through any day. Says declined when theres money on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
I disputed Jefferson Capital Systems on all 3 credit bureaus. XXXX and XXXX removed it from my report but XXXX left it on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received Validation of debt around XX/XX/XXXX. On XX/XX/XXXX called and settled the debt that I received Validation on. Used account number to pay debt. On XX/XX/XXXX, called Ability Recovery Services due to account still reporting to credit bureaus as unpaid. I was told it may take a little longer due to Covid. Called back on XX/XX/XXXX, because I felt that it should not have taken this long. This is when I was told that the account paid was not the account I received the bill/Validation for. Was told they would have someone to contact me. On XX/XX/XXXX I called again about this account because I only authorized my card to be run for the account I received the bill/validation for and any other accounts was unauthorized. I was told there is nothing he could do, he would have to send the dispute to someone else and I should expect a response in 30 days. 30 plus days has come and gone and no communication.

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 2018-07-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Follow up response to Consumer Financial Protection Bureau Compaint ID # XXXX and XXXX. 
Chase was negligent in NOT properly verifying 3 fraudulent call claims and negligently deposited {$2800.00} in my daughter 's account. She reported she had NOT made these calls and that they WERE FRAUD. Her account and she were a victim of THEFT as her card was STOLEN and USED FRAUDULENTLY and WITHOUT ANY AUTHORIZATION from account owner. CHASE is responsible for this entire incident. Chase personnel were negligent and it even appears a Chase employee was apparently involved. CHASE responds the same language " we confirmed the caller was properly authenticated '' .. CHASE does NOT provide ANY PROOF. That is a lame response. I want voice recordings, how did CHASE " confirm '' if you do not have a voice recorded conversation. We filed police reports as this was A THEFT and FRAUD incident. Chase is just sweeping the issue under the rug and making us responsible for their own negligence. Depositing on 3 repeated occasions funds into an account WITHOUT APPROPRIATELY VERIFYING. YOU SHOULD HAVE IMMEDIATELY CALLED THE ACCOUNT HOLDER. ESPECIALLY AFTER THREE FRAUDULENT CALLS THAT A DEPOSIT WAS MADE AND FUNDS WERE NOT REFLECTED. REALLY, THREE TIMES!!! AND CHASE DOES NOT CALL????? 

NEXT, MY DAUGHTER WAS NEVER ON MY OWN ACCOUNT from which you removed funds to cover the overdraft caused by Chase negligence. How can you take funds from someone else 's account to cover the shortage when she is NOT listed on this account. ALSO, I AM NOT LISTED ON THE STATEMENTS. CHASE personnel would NOT SPEAK TO ME WITHOUT my Daughter 's authorization on this issue on HER ACCOUNT. CHASE WRONGFULLY removed funds from my account. CHASE owe 's me {$2800.00} that they incorrectly and unjustly took from my account to cover their OWN ERROR and NEGLIGENCE!!! If anything I was a custodial guardian on the account until she was XXXX. After which the account became hers and all statements sent were addressed ONLY to HER NAME. MY STATEMENTS were addressed SOLELY TO MY NAME!!!! 
CHASE needs to provide the voice recording of the caller. PROVIDE PROOF of how they can CONFIRM they AUTHENTICATED the THIEFS who called. Chase responses are very vague and are only trying to get away with having their customers pay for THEIR OWN PERSONNEL 's BLATANT ERRORS and NEGLIGENCE!! CHASE assisted a THIEF to commit a fraudulent crime with a debit card because THEY DID NOT Properly identify a caller. What bank in their right mind deposits {$2800.00} to an account just because someone calls in to claim their deposit was not reflected???? 
Chase is NOT owning up to their negligence and putting the burden of proof and burden of loss of funds on the part of their customer who was a victim of theft and fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Exeter Finance Corp.
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Earlier this year, I rightfully disputed my debt to Portfolio Recovery Associates, LLC for {$790.00}, which was purchased from a closed XXXX   XXXX credit card in XX/XX/XXXX. After Portfolio Recovery Associates validated my debt, I called them on XX/XX/XXXX to pay off the debt. I explicitly told the representative that I am paying off the debt for full removal from my credit report, and the representative stated that a full deletion would not occur unless paid in full. With the sole purpose of removing the debt from my credit report, I paid the debt of {$790.00} in full on that call. 

However, the paid collection was not removed on my credit report, and still reflected a charge-off on my credit report. On XX/XX/XXXX, I sent a certified letter to Portfolio Recovery Associates to review my call with the representative, and to have my paid collection removed from my credit report. 

On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates dated XX/XX/XXXX that they would not conduct an investigation of my dispute and claim of misrepresentation. I called them on XX/XX/XXXX to ask again to review my call and request for full deletion. The representative I spoke to referred me to a supervisor and they both explained that full deletions are not offered by Portfolio Recovery Associates. In addition, the supervisor stated that : - a complaint had already been filed on my account ( I never filed a complaint before ) - they will review my call - apologized for any incorrect information that was given to me. 

If I was given full disclosure with the original representative that a deletion was not available, I would have offered a settlement for far less than a payment in full. There is no incentive to a paid-in-full collection that still reports negatively as a charge-off on my credit report. 

Portfolio Recovery Associates is not fully representing the consequences of a paid collection to those looking to pay their debts in full. I did not deny the debt and take responsibility for it with full payment, however, I would have made a different decision to pay a settlement, not paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
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'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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