BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-08-07
Company: Torriere Holdings INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XXXX/XXXX/15 i recieved an automated dialer call from Spire recovery. they left a message on my voicemail for my sister in law. they disclosed on the voicemail that she had an account in collections and disclosed the account number on my voicemail. i contacted spire via phone and was told they were handling an account for my sister in law and provided me a file number to reference. the dialer they are using features predictive dialing features which is a violation of the TCPA. Spire disclosing account information on my voicemail is a violation of the Gramm-Leach-Billey Act. the fact i was told they are handling an account is 3rd party disclosure and a violation of the FDCPA. They never stated their communication was an attempt to collect a debt by a debt collector. This is a violation of the FDCPA. i contacted the owners of the business XXXX and XXXX XXXX regarding these violations. they in turn had a business partner by the name of XXXX XXXX contact the owners of the company i work for. XXXX disclosed my sister in laws account to the owners of my company. This is a violation of the FDCPA again by disclosing 3rd party information. I believe Spire is not licensed to collect debt in any state and they have absolutely no regard for the law or rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I made a purchase of tires from XXXX XXXX XXXX XXXX for a total amount of {$940.00}. 
Unfortunately, I encountered significant issues with the items purchased, as they were not as described and proved to be defective. I attempted to resolve this issue directly with the merchant, but my efforts were met with unsatisfactory responses. 
XXXX XXXX XXXX XXXX initially referred me to the tire manufacturer, which I found to be an unacceptable resolution. I firmly believe that the merchant of record, XXXX XXXX XXXX XXXX, is the liable point of contact for this dispute, in accordance with my credit card issuer 's policies.

I followed the proper procedure for returning the tires to XXXX XXXX XXXX XXXX, and the merchant has acknowledged receiving the returned tires, which I personally dropped off at their location. Despite this, my request for a refund was unjustly denied. 
I must emphasize that XXXX XXXX XXXX XXXX did not communicate their return policy, including any stipulations regarding returns or refunds, prior to the purchase. Moreover, there is no signage within the store or a website that provides this information. The merchant 's stamp on the purchase receipt indicating " no returns or refunds '' was never mentioned during the transaction. This is a critical point, as it is my understanding that the merchant 's return policy should have no bearing on disputes that fall under Reason Code 53 : Not as Described or Defective Merchandise.

Furthermore, I possess documentation from XXXX XXXX XXXX,  a reputable automotive service provider, stating that the tires were indeed defective. This information has been made available to you previously.They professionally inspected the tires using proper equipment, including a XXXX XXXX XXXX  balancing machine. In stark contrast, XXXX XXXX  XXXX XXXX lacks the necessary equipment for such comprehensive testing and declined to seek a neutral third-party opinion regarding the tires ' condition. 

If you require any further information or clarification regarding this dispute, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure a just resolution. 
Thank you for your assistance. 
Sincerely, 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 monetary relief
Consumer complaint received 2018-11-21
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
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 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 patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX and 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 2019-09-05
Company: Experian Information Solutions Inc.
State: LA
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 paid 2 collections on XX/XX/2019 upon the agreement that these would be removed from my credit report completely. 

The collection agency purposely moved the collections into " new debt '' on XX/XX/XXXX or XXXX. 

I've called several times and only 1 of the items was removed while being given all sorts of excuses. 

Experian has notified me that they have no instruction in their XXXX system to remove the " new debt. '' I filed a dispute stating as much and still XXXX XXXX XXXX lied yet again.

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 2016-01-28
Company: First Associates Loan Servicing LLC
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: MO
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:
This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, XXXX, and Experian have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.

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 2021-04-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, our mortgage payment due XX/XX/XXXX, was canceled. We were made aware of the situation in XX/XX/XXXX. We quickly responded and were reassured by Fifth Third bank customer service over the phone multiple times that we were within our 30 days, that we would have no adverse outcome from this incident. We promptly made the mortgage payment within 30 days of the due XXXX supporting document from our XXXX Checking account ending XXXX, shows the amount processed on XX/XX/XXXX notated in yellow ). We received documents from Fifth Third Bank the late payment had been removed, and the mortgage payment was processed before the 30-day mark. 

We had been searching for a new home to purchase. On XX/XX/XXXX, while attempting to obtain a preapproval letter from a financial lender, we were aware that a 30 day late on our mortgage had been reported to the credit bureaus by Fifth Third Bank. This has essentially devastated our credit score and halting our entire financial future. Upon contacting Fifth Third Bank customer service, they informed us that there was nothing they could do to resolve the oversight. We escalated the call to a supervisor while reviewing the situation with the supervisor and noting that the payment was canceled in error and reconciled within 30 days. He stated : " that's just something we tell people. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
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 XXXX Acct # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i need your help please asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Someone used my identity in New York and XXXX gave them a phone and allowed them to create over a {$4000.00} bill. I have never lived in New York and when I complained the first time the credit reporting agencies allowed XXXX to report it as a closed account and not removed from my credit report. So now the reporting agencies are saying I had a New York address and that has never been true. Also I keep telling them my name is XXXX XXXX XXXX. Not XXXX XXXX. That could be my late father uncle or even brother. The only variation from XXXX XXXX XXXX that is acceptable is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: DE
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 went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-11-21
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took out XXXX private student loans several years ago. I had retained an attorney ( see below for address ) who assisted me in paying debts to other loans. In the two year span working with the attorney, they never heard from XXXX. XXXX never returned phone calls, nor could my attorney find out who ( at this time ) actually owned the loan. I was just served with a civil suit for payment which amount and date do not match anything I have on file. The amount and date are not reflected in my credit report either. I don't actually know who owns the loan now and why they waited so many years before filing suit? 
XXXX XXXX XXXX ( attorney I had retained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Civil Suit : XXXX XXXX XXXX XXXX XXXX/XXXX  justice court Gurstel Law Firm XXXX XXXX XXXX XXXX XXXX, AZ XXXX On the summons it says : XXXX private credit Student Loan XXXX XXXX XXXX Total amount {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
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 am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

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 2023-09-12
Company: Security National Financial Corp
State: AZ
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting 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:
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2022-07-18
Company: EQUIFAX, INC.
State: DE
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 went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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