BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 All these accounts have 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 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 item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account was charged for multiple purchases totaling {$9800.00} in XXXX XXXX before I received my card. I was physically located in XXXX with my family at the time as well. I noticed this by checking my balance in the app. I called Bank of America immediately and notified them. They asked me if I would participate in any investigation that would be started. I agreed. They also told me any funds that would be resolved would be deposited into my account. Within the following two weeks the funds were replaced. At no time was I contacted about any investigations or was I informed that these funds were temporary. Later I was issued a notice stating that my disputed had been declined and I could request all information used to come to this decision and I was to pay back the full amount. I requested the decision be reviewed and I also requested all documents available. I have not received any documentation at this time. I have called and further requested the documents and continued to have no communication on this subject. I have received a notice that I was credited {$3.00} for fees associated with prior claims.

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 2018-08-27
Company: General Motors Financial Company, Inc.
State: TX
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:
My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/2023 : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX. 

I was also sent a contract from XXXX XXXX XXXX with handwriting that isnt mine I asked this company to not get in contact with me I have never received any services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-21
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this is the second time i'm filing this complaint with cfpb, checkr background check has a eviction listed on their report belonging to me case number XXXX i have disputed this with them this does not belong to me after pulling the public records there is no personal information belonging to me such as my social security number is not listed on this judgement or complaint after speaking with the filing party they couldn't verify my social either this is being reported solely because of the name is similar not other proof or reasons to show this belongs to me after speak with checkr they keep saying this was verified thru public records but how when you can verify my social security number only being verified by name this is totally wrong and inaccurate please help with removing this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Account information incorrect

Complaint:
As of XX/XX/2023 XXXX reported that my prepaid XXXX XXXX  card has a debt of XXXX to XXXX and transunion and a debt of XXXX to XXXX stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.

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 2018-08-27
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/15 Car Accident. Had Issues With Insurance Company. Contacted XXXX Filed A Complaint Insurance Took A Few Months Although Claim Was Paid. The Original Amount Wasn't Paid Due To GM FINANCIAL Repossession Of The Vehicle. However, I Kept In Contact With GM FINANCIAL Regarding The Situation. I WAS NOT NOTIFIED BY GM FINANCIAL THAT THEY HAD TAKEN POSSESSION OF THE VEHICLE. I Have Supporting Documents That The Claim Was Paid & The Only Reason GM FINANCIAL Did Not Receive The Original Amount Is Due To The Information That They Reported To The Insurance Company. Therefore, Claim Should Have Been Paid In Full Through Insurance & GAP. 

With That Being Said, GM FINANCIAL Brought On A Debt Which I DO NOT OWE. If The Insurance Company Rectified The Situation So Should GM FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I purchased an item from XXXX with my cash app card. The seller was fraudulent and did not send the item.I disputed it with cash app customer service and they refused to recover my funds after providing them with detailed documentation of me contacting the merchant and requesting a refund. I saw several people on XXXX stating it was fraudulent after I had made my purchase so Im sure Im not the only customer that has filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.

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 2020-07-20
Company: ID Analytics, Inc.
State: TX
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:
I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX hereby attaches a copy of a collection letter I received from Portfolio Recovery Associates. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

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 2023-07-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Had an Account with American Car Center for only XXXX days the account was closed and paid off after the car was totaled. They gave Westlake financial my account as an unpaid balance owed and also submitted their false bill in my credit too, before filing bankruptcy that I owed them XXXX dollars, not quite sure the exact number but I dont owe anything. I have reached out to Westlake numerous times and even provided them with documentation as requested to show that the company was lying and I owe them nothing. I dont owe American Car center anything and I have documentation where they sent me a letter for a XXXX dollar different amount. The letter states I owe XXXX they reported XXXX I dont owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
A Capital One credit card application was filed fraudulently and soon after approved without my consent. I was notified by a credit report monitoring service that a hard inquiry was reported to XXXX and XXXX. I called Capital One multiple times with very little success in closing the newly opened account. Ive been told each time that the credit card account is open but the representative will close it. I call in the next day to follow up and the account is still open and that representative closes it. This is the cycle of dealing with over seas customer service. The people that stole my identity have opened online banking with a credit card at Capital One. No idea how this happened never lost my wallet, never leave it unsecured, or misplaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lived at the XXXX of XXXX XXXX. I moved due the company failure to correct the mold in the apartment and Smoking neighbor in a non-smoking building. Explained that I had upper respiratory problems that can become a matter of life or death. Reported XX/XX/XXXX, air conditioner was replacing not the carpet. The smoking was never address. I informed XXXX of problem and gave a notice on XX/XX/XXXX that I was moving. Received a letter and calls from Pro-Collect of XXXX. Spoke with XXXX and Mangement company about the problem with pictures and letter from physician. The company never contacted me after receiving information and letter from my lawyer. 
Procollect did not remove it from my credit report. I have not heard from them since XX/XX/XXXX. Requested it be removed from my credit report. They appeared to try and hijack me for money I do not owe,

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 2018-08-27
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, NE XXXX on XX/XX/2018 @ XXXX to generate a wire transfer in the amount of {$21000.00} to my family in XXXX. Banker at the time initiated the wire to be transferred in the foreign currency which was XXXX XXXX. After the wire had gone out I came home and calculated the wire transfer exchange rate applied by my financial institution and realized that there was a {$800.00} difference in the exchange rate vs the foreign exchange rate. XXXX  applied the exchange rate as $ XXXX XXXX but foreign exchange rate on that day was $ XXXX  per XXXX. What I don't understand is how come there is a huge difference in the exchange rate of my financial institution versus the foreign exchange rate. With such a enormous difference in the exchange rate I am losing about {$800.00} by transferring the money to my family. This is totally unethical and not fair to the consumer to bear such a huge loss in the process of currency conversion. I do understand that financial institutions do have their fees and stuff but there can't be a difference of at least {$800.00} between the exchange rates.

I would highly appreciate you closer investigation in this matter.

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 monetary relief
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: PA
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 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 Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions 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 applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards 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 explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX 

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 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 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

Company response to consumer: Closed with explanation