BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2017 I called the trans union. To let them know that there was a mistake on. MY credit file there was of ton of inquiries that I did not authorize I spoke with a woman at trans union here name was XXXX she would not give me a last name you Id number but refuses to help me with my issue

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 2021-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have made four attempts with Transunion mailing certified letters in which they have received to dispute inaccurate information regarding Dept of EdXXXX school loans + comments of late payments. First letter was delivered on XX/XX/XXXX, 2nd letter delivered on XX/XX/XXXX, XXXX letter mailed out on XX/XX/XXXX and last letter delivered on XX/XX/XXXX. Each letter states I have legal rights to receive proper evidence in whom was spoken too, names of each representatives, my legal signature, etc to prove these claims are valid. I have only received automatic responses with no changes in removing these late payments off my credit report. My credit reports state I have 100 % on time payments but with SIX derogatory remarks in which late payment were made. I am fighting to remove these accounts/statements off my report due to not receiving any legal evidence on these claims. I delivered the same letters to XXXX with complete resolution. XXXX  did delete the six accounts due to not providing any evidence. Transunion has been uncompliant.

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 2018-03-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional XXXX 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to get a lower interest rate on my HELOC that BOA was advertising. After spending weeks answering questions and filling out paperwork the bank told me my house was not worth {$120000.00}. Therefore, they could not give me a line of credit for {$100000.00}, which was way more than I wanted to borrow. However, they would not give me the lower interest rate unless I could borrow up to that amount. I told them never mind but then they told me my old HELOC was no longer valid and made me sign for a new one I did not even want at a much higher rate. 

There is no balance on this account and I tried to close it because it was increasing my debt to income ratio. I called " XXXX '' on XX/XX/XXXX and she informed me they would close it and when I asked about any fees, she told me there were none associated. Reference # XXXX. I went to the bank a few weeks ago and talked to XXXX XXXX. He explained that my LOC was never closed and when we called their department, they claimed I had to pay a {$74.00} fee. I did not have my reference number. 
Subsequently, ( XX/XX/XXXX ) I called and spoke to XXXX at BOA. I provided the reference number and explained the situation. He told me it was a county fee and I had to pay it. I asked for a supervisor and was left on hold for over ten minutes. When he returned he said the supervisors were too busy to speak to me and too bad pretty much. Therefore, I thanked him and advised him that I would file a complaint. 

Significantly, I had went to XXXX a few months after applying at BOA for a HELOC and they estimated my home 's worth at 150 - 165,000. As a result, I think that BOA is conducting a bait and switch scheme by offering low HELOC rates and then duping the applicants into believing they do not qualify or their home is not worth enough. I have excellent credit so they could not disqualify me there, instead they claim my house isn't worth anything. Consequently, they then talk you into a much higher rate. And just to add insult to injury they want a fee of {$74.00} when I try to close it. Why had XXXX said there were no fees and now all of a sudden there is one? Also, don't they record your conversations for quality assurance? That's what the recording says ...

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 2018-03-25
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation

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 2017-12-05
Company: ZARVAD III S.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Colony Brands, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX i never applied and never have i ever gotten anything for them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions 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:
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to Experian, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to 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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
unauthorized and fraudulent inquires reporting on 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 2019-10-21
Company: Experian Information Solutions 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:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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.

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 2018-03-25
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My problem is with Experian. In XXXX for some reason my score dropped 62 points. I started with this credit repair on good faith. My payments have never been late. Even though I have been using my cards it shouldn't drop that much since I'm making scheduled payments on time. For the last 2 years this site lets me sniff good credit. Then bam knocked all the way back to barley fair credit. This needs to be resolved. I'm actually working with an agency that provides information on how these kind of companies will cheat customers from obtaining good to excellent credit.

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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After Several Attempts to verify and Validate Debt it was unsuccessful the information is Being in correctly reported and Since They havent responded or validated My Debt it needs To Be Removed from My Credit Report due to FCRA laws and these Reports Are Hindering My Credit score and opportunity to be approved For A home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: BARCLAYS BANK DELAWARE
State: OR
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 requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. 

I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy my credit!

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 2018-03-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX satisfied an account in full of TD Bank through a third party known as XXXX XXXX XXXX in XXXX of 2018. However, TD Bank still maintains a full balance that needs to be updated to a zero balance immediately on all my credit bureaus. I paid this account by bank wire for the agreed amount of {$2000.00} to XXXX XXXX XXXX. This account needs to be updated to zero balance immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 put a delinquent amount on my credit report without making me aware of it. Ive not received one piece of mail from XXXX at my new address regarding the amount owed. Ive always been compliant and paid on time. I did not receive any notice at my new address regarding the amount owed and only know about it because its on my credit. I should have 30 days to respond once I get something in the mail. Ive changed address and have not received anything from 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 2019-02-12
Company: DISCOVER BANK
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 open up a fraud investigation on a credit card account discover financial service and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send XXXX  and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called XXXX  yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with XXXX and XXXX never explain that the company has a claim dept for customers who had fraud charges I have a membership with XXXX and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .XXXX told me I need to contact discover to have this fruad account removed and I contacted discover too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim discover credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report XXXX refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a Garnishment Disclosure and Notice of Income Tax Refund Used for Debts form the Department of Treasury both on XX/XX/2020. Both are dated XX/XX/2020. As pursuant to the Covid-19 relief act no wage garnishments are to be made. How do I go about protecting my rights? 
This is for a 20 year old debt and they are taking my Michigan tax return.

Company response to consumer: Closed with explanation