BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Account information incorrect

Complaint:
I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide XXXX XXXX : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-06-09
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I have received ( 3 ), different/unique, fraudulent debit cards opened in my name from CashApp. 

Each time I received a fraudulent card, I notified CashApp via their phone support. One of the steps CashApp performs when a user reports fraud is requesting the person on the phone to provide their email address, so the person reporting fraud can be sent a link to upload pictures of the card. 

On the 1st and 2nd reports, I would receive this email and would at least feel that something may happen. Despite confirming my information, on the 3rd report I had in XX/XX/XXXX, I was never sent an email. 

On the most recent phone call with CashApp in XXXX, I also requested they take further action to prevent people from fraudulently opening accounts under my name with them. I have never used CashApp, but I have been a victim of a data leak. My name, social security number and address were part of a data leak, and I now have these issues to deal with. 

XXXX  XXXX XXXX was a pleasure to work with. After my initial report to XXXX  XXXX XXXX. I have never had another fraudulent card from XXXX  XXXX XXXX. 

I believe CashApp does not take consumer finance seriously, and are either intentionally or unintentionally negligent. CashApp provides poor customer support, and does not prioritize combating identity theft or fraud on their banking platform. CashApp fails to demonstrate a basic understanding of how to prevent money laundering with know your customer ( KYC ). This is a requirement by the SEC. 

Based on the lack of email follow-up for pictures of the card with CashApp, I am certain they have not handled the matter like they have in the first two instances. I have no confidence in them preventing a 4th fraudulent account being open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT IMMEDIATELY. TRANS WORLD IS IN VIOLATION OF AN ORDER TO CEASE AND DESIST. TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

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 2023-04-26
Company: CCF Intermediate Holdings LLC
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 have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from speedy cash

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First paperwork i did was 33 pages i filled out that XXXX XXXX sent me do and copied digitally to my email at library, XXXX printed them and sent them to Wells Fargo. 

Later on i went to XXXX XXXXk and hot current statement which was 8 pages sent to them. 
I sent copy of my income tax, I sent them the social security award letter {$1500.00} which is my only income. 
I sent copies of electric bill and my medicine etc. 
I would have been in a better situation if they had let me start paying something, My amount owed just grew and grew. 
Back in XX/XX/2017 they would not let me unless i paid them all owed. My only money i got every month was social security which does not leave money for mortgage payments, That is not there fault but if they lowered my payment to {$900.00} a month i would have paid them every month. I still want to pay them but i can not back pay. I could start paying them {$800.00} every month now and try to send more if i can spare. 
Thanks for your time. I have sent messages for a while on their site to let me start paying but no response, if i get moved out on street XX/XX/17 XXXX i don't what to do!

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 2021-04-29
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying to update a delinquent payment reported on my credit report cause by a lemon vehicle provided by BMW. After ongoing issues with my brand new lease vehicle, BMW finally devised to provide me with a substitute car. During this process, my car was at their repair facility quite often. This created issues at work, actual damages and other financial issues. During these times, the account went delinquent 30 days, as I was under the impression that my deposit was going to be utilize to cover an installment payment.

Soon thereafter, I made 3 upfront payments to bring the account current, and to move forward with everything I have been doing business with BMW for quite some time, and the reason why I lease a brand new BMW is not to have this issue. The account would have never been late, if this issues wouldn't appeared. This problem not just affected me, but my family members as well. I would like to have this account updated to pay as agreed, and not late. 

Account ending in XXXX 2021 BMW XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00} ( interest only ). When I asked them to provide how they count {$68000.00} interest and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. 
Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? 
I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. 
They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX by their customers on last 6 months.

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 2021-04-29
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company is American Credit Acceptance, the loan was in XXXX of XXXX. The original loan was approximately {$4500.00}. In XXXX of XXXX I feel behind 90 days due to divorce. I had the car impounded by American, I paid the towing, fees, and rear payments etc. I noticed the following months that I wasn't getting an invoice mailed any longer, I contacted American at least 10 times my explanation was startling. They told me I can have the car and make payments but its now repossessed status even though I have it, and American is not obligated to send out any correspondence on payment due, balance etc. I ran my XXXX XXXX report and the balance is XXXX, as well no reporting since XXXX of XXXX for a car that I still make monthly payments on. I never know if my payment has gone towards the balance or due date without data. I was reported to XXXX on XXXX and XX/XX/XXXX with incorrect data and since then not another report to any agency. The nasty behavior from the company has left one alternative but to contact FTC, how can I stay on top of a ghost loan, as well not correct the old bad of XXXX. I dont have a clue I just call them once a month. Ive enclosed my XXXX XXXX for American Credit as proof of XXXX owed, and them not reporting on money they are receiving. I will not be able to give you a correct loan number etc, because I havent gotten a statement in years. My old phone is XXXX for reference, current number is in the following page

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I sent the below disputed information to Experian on XX/XX/2023 and per FCRA 611 the reporting agencies have 30 days to investigate the inaccurate information and if they do not respond within that time period they must remove the disputed information. 
Also included below is letter Experian sent which states they will not do what is required of them. 
Tracking number ( confirmed by 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 2015-11-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ALLY FINANCIAL INC.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I believe the one check was deposited/ cashed 2 times. I have called ally bank in excess of 40 times to solve the issue. None of the customer service people can help. They transfer me to the wrong department or disconnected the call to date I have spent 36 hours trying to in touch with 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 2020-11-05
Company: Komyatte & Casbon, P.C.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.

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

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.

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 non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NY
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 submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, CPS pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX   and CPS but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX  | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.

Company response to consumer: Closed with explanation