BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX  XXXX XXXX funded a clearly altered check that I wrote from my Chase checking account for {$20000.00} and has refused to reimbursed me. 

The check was made out to a roofing company, but on the digital image of the check it is obvious that the payee and note portions of the check have correction tape over the information that I had written. The payee was altered to indicate an individual who is not associated with the roofing company. The digital image of the back of the check shows a signature, but no funding institution identifiers. I reached out to Chase, submitted all requested documents and reached out to follow-up multiple times.

The Chase fraud dept reportedly submitted this claim to XXXX  XXXX XXXX and after a 60-90 day waiting period, I reached out to Chase again and was advised  that XXXX  XXXX XXXX " was unable to recover the funds ''. I was also advised that Chase closed my claim and would take no further action since they had already reached out to XXXX  XXXX XXXX, and XXXX XXXX XXXX was " unable to recover the funds ''. I was advised that Chase would not pursue this matter further, nor would they reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion & XXXX is reporting DEROGATORY which is inaccurate the following XXXX XXXXXXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with Transunion & XXXX multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( Transunion ) Account No. XXXX XXXX {$560.00} ( XXXX ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES

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 2017-10-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

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 2022-01-11
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2018-01-13
Company: GREAT LAKES
State: OH
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:
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Bayside Credit
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:
Bayside credit repossesed my car last year because two checks bounced and the day they found out they reposssesed my car. They said they called me first, but did not. It cost me XXXX $ to get my car back two days later. I dont see how this is legal and if it isnt then they should be held responsible and held up to whatever the law says to be the consequences. 

Then 1week ago they put on my credit report that my account is closed. I still owe them XXXX $ and have made every payment on time. It also says that I have never been late on a payment and my account is in good standing. This company, especially the guy named XXXX or XXXX in the collections department has threatened me over the phone with repossession numerous time and have called my family members and people not on my reference sheet. I know this is illegal. I would like Bayside credit to rectify the mark on my credit report and if they have broken the law I would like them to be held to the penalties afforded by the law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called and asked for a goodwill adjustment on my account due to CareCredit being reported as late. They are refusing to grant this I mistakenly missed a payment in XX/XX/XXXX and XX/XX/XXXX due to some family issues but have not had any late payments prior to that or since catching up in XX/XX/XXXX. As of XX/XX/XXXX, I have paid the balance completely off. I called on XX/XX/XXXX to ask for a goodwill adjustment but was denied.

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 2021-02-18
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2021, at XXXX XXXX, XXXX, and again at XXXX XXXX  Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my phone back to back and threaten to sue me, take me to court, and garnish my wages for a payday loan that is old on behalf of the Cash Store. I advised I have not discussed or talked to anyone from the store, or agreed to any settlement, or anything she claimed. she got rude, and said she will call my employer and garnish my wages, after she locate me, and serve me, and take whatever she wants out of my house. 
During a global Pandemic, and a Natural Disaster in Texas, we are without power, lights, and water, and she calls with this nonsense, I have enough going on in my life, and should at least of all have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good Afternoon, I applied to GRANT myself credit with a Capital One credit card and got denied due to insufficient income. I have the right of GRANTING myself credit from my own Credit line no matter what, so I am confused why they felt they had the authority to deny what i authorized to be granted pursuant to 15 USC 1602 ( a ) ( f ) ( g ) I am the original creditor and who I give the right to extend my credit can not deny me because they do not want to pay the taxes. As the natural person I can grant credit at any given time. It is UNLIMITED CREDIT for a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Receivables Management Partners, LLC
State: IN
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:
XXXX XXXX XXXX bought a old collection from XXXX XXXX XXXX it is on all 3 of my credit bureaus I called and spoke with the supervisor who seem worked up when I asked her questions about 3 accounts 1 major account in particular which is account number XXXX opened on XX/XX/XXXX she modeled me she didnt have to send out and notices about the contract/services I may have received this call was taken place on XX/XX/XXXX at about XXXX-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CBC Companies, Inc.
State: PA
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:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by XXXX a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by XXXX a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by XXXX with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n XXXX  is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, XXXX XXXX has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX  as an original creditor. XXXX XXXX is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX  as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when XXXX XXXX obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages XXXX   XXXX to practice practice accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
HAVE BOA WRITE ME BY USPS MAIL WHETHER OR NOT I MET MINIMUM PAYMENT FOR MY CREDIT CARD AND CONFIRM MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND I NEED TO KNOW IF BOA TAKES THE MINIMUM FROM MY CHECKING TO PAY MINIMUM AND I NEED SOMEONE TO CALL AT BOA. 

BOA ONLY WANTS APPS TO CONTACT. BOA DOES NOT DEAL WITH PEOPLE, ONLY MACHINES. 

DONT DEAL WITH THIS BANK. IT 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 2022-01-11
Company: Genesis FS Card Services, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card was opened fraudulently without my knowledge. 
Creditor is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Harpeth Financial Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a " pre-approved '' letter from Advance Financial 24/7. The letter stated I was " pre-approved for a loan of {$4000.00}. '' I completed the paperwork and provided the requested documents, but they said I would have to wait a few day sfor it to be processed. Only to get an email within the next hour, to say my application was denied! I tired to email them ( at XXXXXXXXXXXX ) & call them XXXX at XXXX ), but NEVER recived a reply, response, or was never able to speak to someone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation