BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on

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 2017-07-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report.
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FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate information.

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 2021-06-09
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I noticed a significant drop in my credit score. This is from SEQUIUM ASSET SOLUTION a credit collection agency trying to recover a {$750.00} debt for XXXX XXXX. 
The debtor is a XXXX XXXX using my social security number and living in XXXX Illinois. This is not me, I have never lived in XXXX and only last year moved to XXXX after living in XXXX. I currently in in Military XXXX XXXX at XXXX XXXX Illinois. 

This is the second time in a year that someone using my name and my SSN have owed money to a utility. 
the first time was earlier in the year and the debt was to XXXX and the address was in XXXX Texas ( I've never lived there either ) My former address was in XXXX XXXX Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My XXXX XXXX XXXX lease end date was set for XX/XX/XXXX. Therefore, I went to the dealership, XXXX XXXX XXXX, on XX/XX/XXXX to purchase my XXXX XXXX XXXX  which I had leased through XXXX XXXX. The dealer quoted me a payoff balance of XXXX to purchase my lease. I agreed to have my vehicle financed. 
On XX/XX/XXXX I called XXXX XXXX  to confirm they received the payoff amount and was advised they received a payoff amount of {$19000.00} which is XXXX less than the amount I was quoted. I called the dealer and spoke to finance manager and was advised to call my new finance company, Mechanics Bank. I called them right after and spoke to XXXX who could not help me in getting my financed amount updated due to not having a copy of my contract. She said s she would follow up with me but never did. 
Today ( XX/XX/XXXX ), I called Mechanics Bank again spoke to XXXX and XXXX. Was on the phone for over 1hr and was not able to get a resolution. XXXX did her best to get someone on the phone who could assist me but had no success. Again was promised a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: U.S. Auto Sales 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this company for years. This account is to old to be still on my report. XXXX will not honor my wishes and remove this negative impact from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: DE
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: FL
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:
I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: FL
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 A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my online XXXX Bank of America ( BofA ) account was broken on XX/XX/XXXX and {$4900.00} were transferred to a hacker account. 
I called to XXXX BofA customer service earlier, on XX/XX/XXXX, when found a strange message on my phone. I asked to check if everything is right with my account. Customer service representative assured me that everything is good. 
The claim was opened on XX/XX/XXXX. BofA put a credit of {$4900.00} on XX/XX/XXXX. 
I received a letter from BofA that my account was frozen on behalf XXXX on XX/XX/XXXX. XXXX denies that they asked BofA to freeze my account. 
Then I received another letter from BofA dated XX/XX/XXXX telling that my claim was denied because BofA could not revert the money. BofA offered me contact the hacker personally to return the money. BofA wants the credited money back together with all fees related to this investigation. Debt agency already started call me. 

BofA does not want to communicate.

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 2022-02-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have new an updated information regarding my previous complaint. I would like Discover to provide the federal law which gave it permissible purpose to obtain my consumer report on XX/XX/2017. I would also like Discover to provide the written consent it received from me to perform this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Paramount Recovery Systems, L.P.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX AND XXXX DELETED THIS ITEM DUE TO ITS INACCURACY, I NEED TRANSUNION TO DO THE SAME

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 2021-09-17
Company: Experian Information Solutions 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 sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre  alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & Experian its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & Experian as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted

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 2019-05-10
Company: General Motors Financial Company, Inc.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I receive a call from GM financial that my payment is late. It cant be Im on auto pay. This is the third time I have put my account on auto payment and GM has taken it off without my consent only to charge me a late fee and ruining my reputation. I noticed there are a lot of complaints for the same thing from others. In this short space I can not site each law that has been broken but Ill be happy to list each on in our suit if it becomes necessary. I will not be defrauded by this company any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 this collection account in the amount of XXXX appeared on my credit reports. Commonwealth financial is the collection agency. The address on file is XXXX XXXX XXXX XXXX XXXX, PAXXXX Phone number listed is ( XXXX ) XXXX I immediately called and asked about the debt requested verification of the debt and gave my updated information. They told me two weeks to get the letter. No letter arrived. So I sent a certified debt validation letter to the above address on XX/XX/XXXX. The letter was received on XX/XX/XXXX and I have the confirmation of delivery. 

It is now XX/XX/2021 and I have received nothing requested. I disputed this account with the credit bureaus also. And commonwealth responded to them. Not me.

One, this debt is not mine. Id know if I visited any emergency room and I have not. I want to see my signature on a document dated stating I owe the debt to the original hospital or drs office.. I want a detailed list of services supposedly rendered and I want to know why I was not contacted in any capacity prior to this going on my credit report. So I could report it for what it clearly is. Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I was unable to log in online on my account so I reached out to Citibank customer service to help me resolve the issue. 
XXXX this is the date that my social security check was to hit my account and be available to me. 
XXXX was told by customer service that I needed to speak with a fraud department to gain access to my account again but they were closed so I would need to reach out to them the next day. 
XXXX this is when I was able to reach the fraud department and found out that my account had in actuality been closed on the XXXX. I asked about my social security check and was told that social security had not sent my check and that I would not need to call social security and discuss this with them. 
XXXX I call social security they said that yes it had been sent out to that account and that per protocol, if the account closed on the XXXX, then it wouldn't be able to be deposited on the XXXX and on the XXXX it should be sent back to social security. And they would then be able to deposit into another account that I gave them the routing information for but they made it clear that this process would take at least 5 days to do. 
XXXX my social security check had not reached my new account yet so I called social security to see what had happened and they said they had not received it back. They also gave me a tracking number for the check. 
XXXX this is when I found out from Citibank that my funds were " forced '' on the account on the XXXX and that they shouldn't have been able to be placed in that account because the account was closed on XX/XX/XXXX. And so they had actually received it on the XXXX when I talked to them and yet they did not even place it in my account until the XXXX. when my funds are supposed to be available on the XXXX of each month. and I was also informed that it would take 30 to 60 days for me to receive a check by mail unless I could get to a branch and get the money from them. I live by XXXX, Washington the nearest branch is in XXXX, California. 

And I haven't even told why all this is happening. I have no idea why they closed my account I don't know why funds were placed into account an account 3 days after it was closed, 3 days after I had no online access. I had no access to the funds. I have bills to pay. I have to pay my rent I'm screwed. I can't even feed my dogs. What do I do now?

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