BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: IL
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 XXXX continues to report a collection on my credit that the company stated they have no knowledge of the debt. I submitted a complaint to the CFPB XX/XX/2023, claim number XXXX regarding a debt that was paid to XXXX XXXX system via direct debit from my checking account. Professional collection was closed and XXXX collection assumed company. The stated to the CFBP that they have no knowledge of the debt. In addition, I reached out to professional collections with the number provided by XXXX and the company is closed. So, XXXX should have removed this collection from by credit report when I sent the emails proving I paid the debt or when I initially disputed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: United PanAm Financial Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In reference to United Auto Credit Corporation response to the previous complaint dated XXXX XXXX, I, XXXX : XXXX have continuously provided subsequent evidence of the matter involving the negotiable instrument ( payment ), that was received and recorded for the amount of {$6200.00}, dated XX/XX/2022. United Auto Credit Corporation has stated in response that I have not provided proof of payment from my banking institution, and this allegation is false. The negotiable instrument, ( payment ), that was presented and accepted by United Auto Credit Corporation, was given with clear instructions on what the presentment was and how to process the payment as Trustees over my Cestui Que Trust account. United Auto Credit Corporation had then provided a document of their " statement '' regarding what they claimed to be a reversed payment, however the transaction balance, ( loan amount ), reflects a balance of {$0.00}. Furthermore, United Auto Credit Corporation has not returned my payment, as requested, and it still appears on the account as the amount received. My question to United Auto Credit Corporation is how is that so? Moreover, the truth is United Auto Credit Corporation has continued to demand an alleged debt that is no longer owed upon the account because it had been properly discharged, dollar from dollar. According to 15 U.S.C. 1602g, We the consumers, are the original creditors. According to 31 U.S.C. 5118 You can discharge all debts and tender of payment does not have to be legal tender. The truth about United Auto Credit Corporation fraudulent lending practices and Trust Fraud in which they continue to engage, has to be brought to the light. All evidence involving the true settlement of this account is being forwarded to the State Attorney General, Federal Trade Commission, Consumer Financial Protection Bureau, anXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2015 Collection Management in XXXX XXXX, TN gave inaccurate information to credit bureaus about charges that were paid. 
I sent numerous certified letters to their address with no response, I also sent the credit bureaus XXXX  AND XXXX. Iwant this deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: GA
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 reported this information to Experian months ago. They removed the fraud information however reinserted it months later. This is not my account.

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 2019-03-12
Company: Peer Advisors, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Hello so someone is making fraudulent checks with the address of XXXX in michigan. They sent me a check for {$2500.00} and then it was an error and to send the extra {$1500.00} to a cash app user which i did since the bank gave me the money in my account and then took it away later. I have been contacting everyone i possibly can and trying to track where this came from and their connections with every detail they said through text. I have some leads. I filed a police report in XXXX XXXX California : I believe the person that scammed me lives in the eastern standard time zone ( florida, virginia, new york, michigan ) specifically and potentially lived in XXXX XXXX in the past. Please contact me I have spent the last week finding all possible leads. XXXX XXXX was also really helpful because they gave me some details that I found someone with links to all of the details and their picture on XXXX XXXX even if its fake I have seen before and I belive that was the picture they used talkin to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Credit Karma, LLC
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My social security card is not matching my name what do I do? I tried my maiden name and my other husbands name also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am being forced into accepting a service subscription I do not agree or consent to. 
I always have a subscription to XXXX services paid annually in an amount less than XXXX XXXXXXXX for the past 5 years. But this year XXXX went behind my back to my credit card company Capital One Mastercard and charged on it {$130.00}. 
When I asked Capital One they said they paid that amount because I have a subscription with XXXX, therefore thy honored it. I sent proofs to Capital One about my subscription at a standard level protection with 5 licences covering up to 5 devices. 
The one they approved this year has 10 licenses which I never had. However, Capital One denied my fraud case as well as my dispute claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - TransUnion is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.

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 2022-07-15
Company: PLANET HOME LENDING, LLC
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 ac

cordance 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. The letters are stated with items and issues. 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 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In the past 2 month, after receiving XXXX and XXXX bills, I was forced to call so-called Customer Service and explained why finance charges appearing on the each of those bills should not have being accessed. Each time finance charges was credited back to the account and each time I was promised that similar charges will not appear on the next bill. And low-and-behold, these finance charges were on the each and every next bill, including latest, XXXX bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Credit Adjustments Inc
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted the Loan Rehabilitation : Income and Expense Information Document to Credit Adjustments , Inc. 5 TIMES via fax beginning XX/XX/2018. Each time I submit there was an excuse on their end to may paperwork ( didnt receive it, wrong document, spouse info should be on there, spouse info shouldnt be on there, the fax came through too faint ). Failed correspondence is why I am in default and now on the verge of garnishment Credit Adjustments , Inc. are playing games with my paperwork!!!!!! I have dealt with at least 5 different representatives including XXXX, XXXX and some guy named XXXX, I believe. 

I had no issues getting my rehab setup on my XXXX XXXX XXXX debt and that bill is for more than the Department of Education debt Credit Adjustments , Inc. is servicing! Why is that??? I believe Credit Adjustments, Inc. is trying to sabotage me and get my pay check garnished.

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 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 at approximately XXXX CST I attempted to use this card to pay a charge from my tree service. The merchant called me back 5 minutes later and stated that the charge had been declined. Because of ongoing problems with Capital One and another CFPB complaint ( XXXX ) it looked like a Capital One issue, so I called their " Customer Service '' dept. 
I was told by a CS rep that the charge had been declined due to a " fraud authorization strategy. '' She was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. I asked and was transferred to fraud dept. 
The first fraud rep was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. She responded to those direct questions with boilerplate and platitudes. I asked for and was transferred to her manager who repeated that boilerplate and those platitudes. I hung up and called back, reaching " XXXX in XXXX at approximately XXXX CST. 
When I attempted to complain about the previous reps, XXXX chastised me for not obtaining their IDs. I asked to be connected to XXXX in the Executive Resolution Dept., as she was handling my previous complaint. He again chastised me for not having her ID although he never gave me his! He said he would try to find her but instead cold-transferred me to the CS queue. 
I called back and spoke to XXXX XXXX in XXXX VA at XXXX CST and left an urgent message for someone from exec resolution to call me. Nobody has called me. 
Yesterday I spoke to XXXX XXXX. She immediately gave me the information needed to have the merchant successfully resubmit the transaction. What awful customer service you have provided, Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXX XXXX AUTO XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX AUTO XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX ACCT XXXX Balance Owed : {$0.00} - XXXX  is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I feel I was pressured into signing a refinanced mortgage that did not meet the needs and has turned out to be a bad business deal for me and my family. 

Applied for a refinance with US Bank. Process went smooth. Had contacts from online and from a local branch. Main consultant was all done through email. Long story short, I was tricked into a mortgage that had my interested rate raised by almost 2 full points ( 3.75 to 5.01 % ), US Bank claims I declined to setup an equity account yet I specifically asked the branch contact when signing if the payment included taxes and Insurance. She replied, Yes, it does. Come to find out no equity account was setup. Now US Bank wants to fund {$1400.00} out of pocket and raise my payments close to XXXX a month. I would have never signed if this was the case. 

I was never offered to setup an account, and all documentation I have says the estimated payment includes taxes and insurance. US Bank deceived me into a deal that benefited US Bank and not me as the consumer.

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 2018-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding 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 2023-08-10
Company: Experian Information Solutions Inc.
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:
I asked, XXXX, Experian and XXXX 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 However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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.

Also they are not compliant with Metro 2 credit reporting. I have evidence to prove my case

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