BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DESIGNED RECEIVABLE SOLU has reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company DESIGNED RECEIVABLE SOLU letting them know the account is not mine. I never signed any contract with anyone at DESIGNED RECEIVABLE SOLU or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which DESIGNED RECEIVABLE SOLU claims is due is {$360.00}. This appears to be an identity thief. Please help to remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I CALLED TRANSUNION, XXXX  AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

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 2019-07-10
Company: BB&T CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company calls me every single day and harasses me at work. I have tried to fix my account with them, but they are very nasty and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On or about XX/XX/XXXX I submitted a claim against Bank of America with the CFPB stating how my consumer rights were violated and how I would like to exercise my right to rescind the transaction for my auto loan. I received threatening letters about repossession and even a few phone calls. After the case with CFPB was closed and I received a rebuttal from Bank of America representative XXXX XXXX ( Resolution Specialist Regulatory Complaints ) which stated " we have determined that no bank error occurred in the management of your loan. Bank of America respectfully declines your request for a refund due to you agreed to all disclosures at time of application and by signing the contract. Additionally, you agreed to a secured loan with vehicle ending XXXX as collateral ; therefore title will not be released while there are remaining payments on the account. '' My complaint is, I was not properly serviced in my " loan '' transaction. According to 16 CFR 433.1 ( d ) Purchase money loan is a " Cash Advance '' which is received by a consumer in return for a " Finance Charge '' within the means of the Truth In Lending Act, which is applied, in whole or substantial part to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common Control, Contract or Business arrangement. XXXX XXXX XXXX says right in his statement that the vehicle is collateral, well what did I receive in return for the collateral? I did not receive my cash advance in my transaction, therefore because one violation makes the contract null and void I should still be in possession of the XXXX XXXX XXXX. 

On XX/XX/XXXX a towing company by the name of XXXX XXXX XXXX XXXX XXXX came to a parking lot I had the car and towed it away on behalf of Bank of America. Under 15 US Code 1692f ( 6 ) Unfair Practices, Bank of America violated my right by taking non judicial action to effect disposition or disablement of the property ( Vehicle ) because there were no present right to possession of property claimed as collateral through an enforceable security interest. Also 15 US code 6802 ( b ) ( 1 ) states, A financial Institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX XXXX XXXX is a nonaffiliated third party. 

In closing I would like Bank of America to return the Vehicle back to me along with the title and refund me the amount paid to them suming in {$7500.00}. 


I will be mailing in remainder of proof because I couldn't upload them all.

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 2018-05-12
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase offers ability to transfer Ultimate Reward points to various airline mileage programs, one of which is XXXX XXXX. On the afternoon of XX/XX/XXXX, I requested a transfer of XXXX points to such an account. I received a confirmation email indicating that transfer will be completed within two business days ( end of XX/XX/XXXX ). 

While the points were deducted from my account, the transfer was not completed by this time. First contacting Chase by phone led to a request to wait for seven days. 

Having waited the seven days, the transfer was still not completed. I called Chase again and the agent was able to create a ticket to escalate this since they were not empowered to help. 

On the evening of XX/XX/XXXX ( over ten calendar days later, or over eight business days later ), XXXX account showed the transfer as complete. 

Finally, I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) responding to my escalation request. The letter ( signed by XXXX XXXX ) does not address my inquiry about reasonable reliance for timely transfers and just cites that according to program rules transfers are not reversible. 

Having checked the program terms, Chase is the party that failed to honor its contractual obligations ( terms promise transfers within 7 days ). Additionally, there was inaccurate messaging about transfer times promised within the confirmation email creating an undue reliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: MoneyLion Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered deferment if loan for XXXX and XXXX payments. I called to speak to representative in XX/XX/2020. Since this time, they have been reporting the deferred payments as past due. I now have a 60 date past due account status, when my account is in fact current. I was not told that this deferment would cause my credit score to decrease. If so, I would have never taken the deferment. I am trying to close this account due to inaccurate reporting, and they wont let me. I have been taking out of deferment, and have since made all payments on time. This company will not include deferment on payment history, which will lower your credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: MD
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:
All inquiries were made on address I no longer reside and have not lived it in more than 2 years.

XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX   XXXX  Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX ) inquiry was made on XX/XX/XXXX ( Experian ) 4 inquiries from XXXX XXXX alone!

XXXX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company.

The inquiry was made on XX/XX/XXXX ( XXXX ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

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 2020-04-29
Company: NCB Management Services Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-08-05
Company: ADIR INTERNATIONAL LLC
State: CA
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:
I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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 non-monetary relief
Consumer complaint received 2019-01-13
Company: Nelnet, 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:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private 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 2021-07-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect a debt from collection company for the same amount each.. XXXX the amount of {$550.00}

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 2020-07-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Contacted XXXX, Transunion, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had received a letter from XXXX  XXXX  XXXX  regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX from a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the fraud.gov and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AL
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:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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: EQUIFAX, INC.
State: AL
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paid someone a {$130.00} through PayPal friends & family and never received the item ( concert/XXXX XXXX ticket ). Seller promised a refund and then disappeared. Unable to initiate a claim through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I got my credit report and it shows that I owe a medical bill of XXXX dollars but it does n't show name, phone number, address, or account number of the collection company. And i would like to be removed since it it looks fraudulent.

Company response to consumer: Closed with explanation