BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX.XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and 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 2021-11-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
BARCLAYS BANK DELAWARE account is all paid off and I never received a notice of collections or past due payments. I send notification by mail of my change address and never got a response. I would like the late payments to be removed from credit and the reported balance because the debt is paid off. This is a high interest rate credit card and I do not recommend it to anyone.

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 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to XXXX & Equifax to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase reported a late afternoon payment for XXXX but I made a payment in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Service Finance Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Every month when I try to log in to the Service Finance Company LLC website, the website doesnt recognize my username and password. I wrote down both when I set up my account, so I am sure that they are correct. I also regularly engage in online banking and transactions and understand how to use the Internet. The mobile app for XXXX is equally bad. This website consistently rejects my valid username and password. As a result, my payments have been recorded late on multiple occasions. To avoid this issue, I tried to set up auto pay, but you can not set up auto pay if your account is late. The website and rules are set up in a very anti-consumer fashion, making it confusing and difficult to make payments. Please update this website and app to make payments more user friendly and feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: UT
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 SENT LETTERS TWICE NOW TO REMOVE THESE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I PUT FRAUD ALERTS ON MY ACCOUNTAND AM TRYING TO BUY A HOUSE NEXT YEAR. THEY REFUSE TO INVESTIGATE. THEY HAVE NOT SENT ME ANY INFORMATION AND I SENT A LETTER ON XX/XX/XXXX AND THAN AGAIN ON XX/XX/XXXX BOTH NOTARIZED AND CERTIFIED. I ALSO SENT LETTERS TO CREDIT AGENCIES ABOUT THE INQUIRIES AND THEY HAVENT RESPONDED EITHER. I WANT THESE INQUIRIES REMOVED IMMEDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Credit Acceptance Corp pulled a copy of my credit report today according to an experian alert I received. I did not authorize this, and in fact am restricting this company from anything to do with my personal data.

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 2017-10-06
Company: Meridian ARG Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have made every payment on time with XXXX XXXX XXXX on 2 loans for over 10 years they eronousley reported me late 60 days on my credit report ive never been late if you look at my credit on one of the 3 reporting buerus it shows all current but my fico score shows diffrent ive spent countless hours with bofa and every credit reporting buereu no luck XXXX a has ruined my credit because they accidentally submitted the incorrect 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 explanation
Consumer complaint received 2017-10-06
Company: Convergent Resources, Inc.
State: NV
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 XXXX XXXX,2017 I contacted Convergent Outsourcing and I had no problem paying the settlement amount but I wanted to be 100 % assured that it would be completely deleted off of my credit report once it was paid. The agent assured me that it would not be on my credit report any longer once I paid the asking amount. Now, 3 months later and the account is still showing on my credit report as a collection. Very unprofessional to reassure someone something that isnt true.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED 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 explanation
Consumer complaint received 2019-07-02
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The revenue group which says they are from the Ohio attorney general office claims I ( or my business they refuse to tell me which ) didnt pay state sales tax back in XXXX I informed them this is a mistake I this was a very small business and my average collected sales tax was only a few dollars a month and I never missed or was late on my remittances. 

They claim I ( or my business ) owns them over XXXX dollars! 

I make XXXX dollars a week and can not afford legal help my business closes on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
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:
We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX  for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current with my mortgage to Wells Fargo. The next payment was due XX/XX/XXXX. On XX/XX/XXXX I called Wells Fargo and told I was in Default and had not made a payment sinceXX/XX/XXXX. I have until XX/XX/XXXX to pay Wells Fargo XXXX or I will be Forclosed on. I have owned my home sinceXX/XX/XXXX. My mortgage statement shows that I am current with no late payments due.

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 2022-02-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today I received two 1099-INT forms from Citibank ( one is correct, while the other is totally wrong ).

For the first and correct 1099-INT form, it shows my interest income from Citibank in the year of 2021 in both my Checking account and Savings account. Within the checking account interest income, it includes the {$700.00} new account promotional bonus that I received last year. 

For the second but totally wrong 1099-INT form, it shows {$1500.00} Bank Promotions from Citibank. However, I never received this {$1500.00} promotions from Citibank last year at all. Note that I only received {$700.00} promotional bonus in my Citibank Checking account and this {$700.00} bonus was already included and counted in the first 1099-INT form. Apparently this second 1099-INT form in the amount of {$1500.00} is totally WRONG and should NOT exist for my Citibank account at all. Unfortunately both 1099-INT forms were reported to IRS by Citibank.

I request Citibank to take immediate correction to withdraw the wrong 1099-INT form in the amount of {$1500.00} from IRS. Citibank must take immediate correction with IRS and also send me the correction for my record and tax return purpose as well.

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 2019-09-23
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a XXXX XXXX in XXXX of 2017 and paid for the whole thing in cash after which I moved to XXXX. I clearly stated to them that I am paying them off so I don't see any collection bills and yet they keep sending it to the collections. I know for a fact that I don't owe them anything and yet they are torturing my life Original Creditor : XXXX XXXX, XXXX, NC Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX Collection company harassing me is RHODES, KELLY & ASSO XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Amount : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Duvera Billing Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to a puppy shop bought a shih Tzu and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX XXXX XXXX  Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau and CREDENCE RESOURCE MANAGE has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : CREDENCE RESOURCE MANAGE XXXX Date opened XXXX XXXX, 2022 Balance {$220.00}

Company response to consumer: Closed with non-monetary relief