BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: Carter-Young, 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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX  well as follows 1. XXXX twice, 2. XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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:
COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account on XX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report on XX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2018-07-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought 1 car with Kia ( Kia XXXX XXXX Ex ). On or about XXXX XX/XX/XXXX Kia financial sent me a bill that I owed {$490.00} with 60 payments. The first payment was due XX/XX/XXXX. I made a payment to this account on XXXX XX/XX/XXXX. I made a second payment for my next bill on XX/XX/XXXX ( each payment is due on the XXXX of the Month ). I then paid my bill again XX/XX/XXXX. My bank statements show payments made, and I was receiving emails to pay my bill each month. I would log in and the payment that was 'due ' was XXXX. If you look at my credit history, I have never paid a bill late. 

I received a check in the mail yesterday XXXX XX/XX/XXXX for {$490.00} as an 'overage. ' I logged into my account because when I looked at the account, I was surprised to find that while my payments went through ( {$1400.00} so far ) my total amount owed was {$0.00}. I assumed ( which I was correct ) that somehow Kia opened up two accounts in my name. I called Kia on XXXX XX/XX/XXXX to inform them I was paying my bills on time, and they mentioned there was a second account I was not aware of. The issue I am having is that they now report my payments as late because I had no clue of the second account, but I was paying the account as notified. 

I called into KIA about 5-6 times. Their phone kept disconnecting and the number would not work. I am unable to fix the issue with them because there is no way to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Transunion, XXXX  all display record of " delayed payment '' related to an old car lease through XXXX XXXX XXXX. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone. XXXX Fax. XXXX XXXX XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this company my XXXX payment on XX/XX/21 the due date of {$350.00}. I have paid them over {$200000.00} dollars within the last 35 days. They keep calling asking for payments. I called several times but they refuse to help, only ask for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have disputed information in XX/XX/2019 with XXXX  XXXX and it has been over 30 days, I have yet to receive a response. Regarding Bank of America, 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 2020-07-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/2020 and XX/XX/2020 ( XXXX  & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: KS
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 the previous Complaint number : XXXX - I sent to Experian I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.

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 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 bank of america closed my business account. With no explanation but it was a business decision. I had a transaction from a customer of mine go into my account for XXXX. My customer had sent me the money to buy him his product but had explained to me that he sent it from a joint account with his wife. So his wife called their bank regarding the money. So I called my customer and he said he went to his bank on Friday the XXXX to let them know everything was okay. He had sent me the funds nothing to worry about. They told him it would be 3 business days for everything to be taken care of. Bank of america did not even wait or investigate what was going on. Did not even give me a chance to fix the problem. Which I was in the process of doing. They closed my business account the very next day after this happened. Sent me a letter stating they were in the process of closing it and it would affect my ability to open another account with them or any other financial institution. I called bank of america and they told me it was closed on the XXXX of XXXX. I called my customer and he was mad because he was helping me fix the problem. Bank of america to me rushed into a conclusion about the funds that is very bias. Not once did they try to wait on the problem to be fixed.

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 2020-11-15
Company: CBC Companies, 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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Dear XXXX, XXXX, Equifax RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: NC
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:
Over 45 days ago, I mailed in requests to XXXX, Experian, and XXXX XXXX asking them to correct errors on my credit report. XXXX  and XXXX XXXX responded within 30 days, like they were supposed to ; but I still haven't gotten anything in the mail from Experian. I even mailed a follow-up letter to them, which has also gone ignored.

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 2018-03-07
Company: NATIONS DIRECT MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 tried to call them and exaplina what was happening with ny card. Theyve know for two years when I had the card I made continuous on time payment. They did not give me the change to work it out them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail. I called Chase and they flagged the account as fraud and closed it. I don't even have an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was XXXX paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation