BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Monterey Financial Services LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX I had went to The XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX to purchase a Golden Retriever. After picking out my dog I was told the purchase price was around {$2500.00}. The attended explained that if I did not have the full amount I could purchase the dog using a monthly payment option. The attendant then obtained my information to attempt to qualify me. She then explained that I had been approved through XXXX XXXX. She then drew up paperwork and presented it to me for signing then informed me that I needed to also pay {$470.00}. The paperwork I signed included payments of {$220.00} for 27 months. I made 8 monthly payments totaling {$1600.00}. On XX/XX/XXXX, I contacted Monterey Financial to request a pay off amount and was told that if I paid {$2100.00} by XX/XX/XXXX my obligation would be satisfied. Later when researching options to pay the amount I discovered there were speculations that the operation may not  have been practicing fair lending. I have been told the company was being investigated and had been shut down. I have been manipulated into leasing my pet. I realize that if I paid out the full lease the total of payments is {$6100.00}. I have also been informed that after paying the full lease, I would still need to purchase the dog at a value they deem as fair market value. It was explained in the lease to be {$370.00} plus official fees and taxes related to the purchase. I have been aware that this company is based out of California which does not allow pet leasing. Also, it is now my understanding that Michigan has a Bill in the Senate waiting to be passed making pet leasing illegal. I do not want to lose my pet nor do I feel it is fair to pay this excessive amount. I am seeking your assistance in finding resolution to remove myself from this obligation. I do not feel that I should pay any further, but do not want my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX as Car Dealer has done hard inquiries on my name without my permmission to : XXXX XXXX XXXX on XX/XX/2018 Ally Finance on XX/XX/2018 XXXX XXXX on XX/XX/2018 XXXX   on XX/XX/2018 Other ... 
XXXX XXXX on XX/XX/2018 XXXX XXXX on XX/XX/2018 2018

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 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX Bankruptcy Filed XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I have an ER visit to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX this facility was getting absorb by XXXX XXXX XXXX Went there for a XXXX got administered medication and left the facility same day -- I got an XXXX that explained to me that insurance will treat claim as In Network and my responsibility will be my deductible + Copay amount total {$390.00}. At that time called Insurance and told them to revise claim and never heard anything or got anything else on the Mail advising resolution. Called Hospital and explained and they promise to advise me of situation before turning anything over to a collections agency. 

I moved to another address as advise Hospital of such -- My insurance also shows a bill from the DR who did not took care of me and explained to them nobody but my sister was with me while they administer the medication since IV was put on by paramedics. again asked of itimized bill of charges and they told it was still under process. Never got me a Bill. since I did not receive anything I thought this was resolve. 

This weekend Saturday XXXX/XXXX/XXXX I got a Bill from XXXX XXXX XXXX for {$3300.00} -- -- So I called Hospital for more information while I checked XXXX for XXXX and realized hospital filed same claim XXXX different times against my insurance and when they got pay already {$610.00} for the bill. When open on detail for what is being file I also see duplicate charges -- asked for the hospital on a detailed statement and explained I did not have services worth {$3000.00} and they said they will send me something but situation was already out of their hands since account in now in collections. 

After this I proceed to contact collection agency -- find out they decided to turned this over XXXX/XXXX/XXXX for {$3300.00} and explained Representative XXXX ID XXXX about it and insist not too report this against my credit since some charges on the bill will be review and hospital told me to wait on bill and gave them a call -- He made me understood will report against my credit in 30 days but I told him not to report since Bill is under investigation. 

I feel Hopeless this collection agency established in California does not care. this causing lots of stress and recently have a baby going thru to XXXX. I strongly believe hospital not even have fraudulent charges but also how to get more money ouf of insurance and never contacted insurance or even send me notification of this totally unethical. 

Please advise -- collection agency have no signed document that allows then to have my XXXX neither I signed anything release on the hospital so as know violating my right for unfair collections practices but also in violation of XXXX, I also have copies of XXXX if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXX XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from  appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union continuous to report account to XXXX  with wrong account numbers also account was included in BK still showing balance owed and past dues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XX/XX/XXXX I was scammed and my account was hacked, Bank of America took care of all except XXXX XXXX gift cards XXXX each total XXXX dollars, on XX/XX/XXXX the bank charged me for this amount XXXX dollars and explained they had to do it and will credit me, which the did on XX/XX/XXXX, case closed, no, On XX/XX/XXXX I was charged XXXX dollars on my credit card same bank, Bank of America, Spoke with the bank, gift cards were cancelled on XX/XX/XXXX XXXX gift departmental did not collect any money at all, why the bank is charging me XXXX dollars??? Who is getting this money not me or XXXX gift departmental??? 
Claim # with Bank of America XXXX Thank you, I will appreciate if you could look into it, I feel I am being scammed by my own bank I have been with for 36 years, Thanks again XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 rewards from credit card

Complaint:
I am a venture credit card holder and referred XXXX XXXX XXXX last XXXX XXXX for the card who was approved per my referral link and met sign up bonus timely, and I did not recieve my XXXX referral bonus as promised after waiting repeatedly per capital one customer service, very frustrating and misleading. Please credit my account XXXX the XXXX venture miles as soon as possible as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX  XXXX Late Payment from 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 I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.

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 2023-05-30
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I filed a CFPB complaint for payments not applied in a timely fashion, see XXXX. 

The response to this complaint does not address all of the factors in my complaint, specifically, that the XXXX payment was handled in a different way than the XXXX payment. The XXXX payment was backdated, without my asking for it to be, but the XXXX payment was not so backdated. 

I've also learned since the previous complaint that it is Goldman Sachs themselves that have imposed a {$750.00} limitation on electronic payments from XXXX. Had they not imposed this limitation the payments in question for XXXX and XXXX would have been sent electronically, not via check over the mail, and we would not be here arguing over payments not credited timely. 

I again request that my interest charges be waved, as my payments were submitted in a timely manner, and I would again request an explanation for why the XXXX payment was processed and handled differently than the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021 requested removal of inaccurate personal information from Equifax credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent Equifax, XXXX  and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I just opened account online on XX/XX/19 and made an initial deposit. Today, I just tried to log in online and was told my account was locked due to fraud detection. They wanted me to come into a local branch to verify my identity. However, I am out of town on a business trip for 5+ months and there is no branch located here. I offered to go into an affiliated bank here but they declined. I am out of options so wanted to close my account and be refunded the deposit since I can't have access to my money. They told me that I could not close my account until I visit a local branch which is impossible.

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 2015-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several weeks ago I applied for a Home Equity Line of credit on the Bank of America online site as I have several accounts already with them. On the application I explained that our home was under a Revocable Living Trust I offered to send a copy of the document, but I was told that there was no need for that. I completed everything they asked for and sent all forms to them. At least two more times I offer to send the Living Trust Document to them each time I was told no need. We get all the way through the process and today I get a call stating that they do no lend on Live Trust only Living Trust. The very first page of my document states clearly Living Trust. All the affidavits I completed and sent out I clearly stated I was the Trustee. My daughter is also a Trustee and she too signed the Affidavit as they requested. The person calling me clearly does not know what they are talking about. I clearly stated also that I had a POA for my husband whom has XXXX XXXX as his name is on title. This was recorded which included two letters from physicians stating his inability to sign. I provided all documentation and completed all the paperwork. I want the inquiry removed from my credit report as it was pulled under false pretenses. If I had been told in the beginning, I would have not moved forward. The gentle man I have been dealing with is XXXX XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation