BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
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:
This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

XXXX - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.

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 2020-02-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
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 XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-06-05
Company: HEARTLAND PAYMENT SYSTEMS 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:
This issue is with global Payments - they are reporting that I have unpaid transactions through checking accounts that are not mine. I have called and send numerous letters with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX   XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX  XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan. 

After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's. 

On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility. 

There are several issues here : 1. ) I provided my address to XXXX University when I moved. 
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer. 
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address. 
4. ) XXXX had my correct email address on file.

5. ) XXXX never used my correct email address.

6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: VA
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:
according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX, Account Name : XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
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 not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Got a call from XXXX. They said that they were from Chase Auto Loans and they knew my name. They said I should call them back about something with the dealership. I called back and they asked for my reference number. I pulled out my documents and I didn't see one. They said then I could just give them my full social security number. I didn't give it to them, but then I hung up and called chase. They had no record of anyone calling me. The scammers had almost the exact same answering service as chase, except it did not ask if I wanted the call in XXXX and it also had a ringtone. It also didnt ask me for my account number or anything. The scammer 's audio was horrible and she was ferociously typing on the other end. 

Even when I called chase from the number on their website it seemed sketchy though and I don't know what to trust because they were also asking for my full name, phone number, full social, address, and when i tried to get online to create a chase account to pay my bill they said my cell phone number didn't work for a XXXX, even though I was calling them on that number. 

It was weird because they knew my name and that I got an auto loan with chase a little more than 1 week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: DE
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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-12-13
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the XXXX instead of just honoring the promises already made also breach of contract and theft. The refunds were all issued by the developers and XXXX kept the money and never returned them to any bank or previous account. Everytime I call I show proof and get hung up on. I sent them proof and screen shots through emails dozens of times. Cases numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and [ XXXX ] all promise they 'd fix the problem. I even agreed to credit through their play store which would even cost them anything yet instead they pull a bunch of shenanigans and try to rob me.

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 2018-09-28
Company: KEYCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment.

I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge.

Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank.

The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. 

After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off.

As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it.

I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted.

Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Store Name : XXXX Date of purchased : XX/XX/XXXX Total charges : {$3800.00} Promotional Interest Rate : XXXX XXXX for XXXX year ( expired on XX/XX/XXXX ) Annual Percentage Rate : XXXX XXXX Total balance after promotional offer : {$730.00} Current balance now : {$1700.00} Interest charged : {$990.00} Deferred interest charges : {$950.00} THIS IS TOO MUCH CHARGES! They did not disclose how they arrived this overcharged fees. 

Thank you

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 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXX to XXXX XXXX witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
It has come to my attention that GM Financial has denied myself and my husband credit. I, the NATURAL PERSON, creditor, and Applicant, am aware of the letter that was suppose to be sent to us which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) within 30 days after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. We have never received any letters from GM Financial with an actual adverse action, we have only been told through the telephone and the dealership of their denial. Pursuant to 15 USC 1691 ( a ) ( 3 ) It shall be unlawful for any creditor to discriminate against any aspect of a credit transaction, because the applicant has in good faith exercised any right under this chapter. As the Original creditor, we initiated a consumer credit transaction, using my credit card ( SSN ) pursuant to 15 USC 1602 ( L ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit making GM Financial an assignee pursuant to 15 USC 1691 ( e ). However, we DID NOT receive any benefit from that transaction, but it had a negative impact on our consumer report, proving the transaction did in fact go through. Lastly, Congress states " No Credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 

I have given several attempts to resolve this issue with GM Financial and they stated that the file had been sent back to the dealership for them to resubmit, however, nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a request for assistance with XXXX, Transunion, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL 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