BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TIDEWATER FINANCE COMPANY, INC.
State: KY
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:
XXXX finance came and removed my car from my sisters home trespassed on private property with lack of personal jurisdiction i have paid on the car for 5 years on a loan balance of XXXX and after 5 years stated i still owed XXXX how is that possible al they also lied to me on their recorded calls telling me i owed 3 years on the car and that was false i want this removed off my credit and my vehicle returned to me they have left a mess on my driveway in result to pulling the vehicle out without permission to step foot on my property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MD
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:
There is an account on my credit report from XXXX XXXX XXXX that I closed out in XXXX and paid the account in full. For the last 8 years this account has been showing an Open status with negative reporting. I have disputed this account multiple times through Experian with the latest dispute being in XXXX and another time in XXXX to correct the account information. Experian refuses to correct the information even after Ive provided documentation to show this account as closed and paid in full. Experian is purposely showing this account as Open with negative marks to continue to provide a low credit score. This is a closed account and I want my credit report to reflect the accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( Original Creditor : 06 PROGRESSIVE ), has violated my rights. 

XXXX5 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 an account without my written consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-20
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: The CBE Group, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I've been receiving multiple calls from a company called " CBE Group. '' On the phone, they are extremely vague about who they are and what they are calling about. The first time I answered the call, I let things proceed until they started trying to confirm personal information without telling me who they were or what they were calling about. I hung up. 

The second time they called, I tried to ask who they were. They told me they were just a company who " dealt in a variety of personal and business matters. '' They said they are based in XXXX, XXXX but would not tell me anything else about the company. I spoke to a woman who said her name was XXXX XXXX. She told me her supervisor was somebody named XXXX XXXX ( or XXXX XXXX? ), but refused to connect me with the supervisor. 

Eventually, I was connected to somebody named " XXXX, '' who said he was the floor manager, but would not tell me anything else about who CBE group was and what they were calling about. 

I looked into them and the internet says they are a debt collection company. None of these calls mentioned any debt or disclosed that they were debt collectors. I can't think of any debts that would be unpaid and would be sent to debt collectors, so I worry they are harassing people based on weak leads ( similar name, similar address, etc. ) and hoping to confirm enough information over the phone to justify more aggressive debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in XXXX  from XX/XX/17 until XXXX during that time my account was accessed and funds totalling {$420.00} where withdrawn attempted to resolve through financial institution they said no fraud was committed I was responsible for those withdrawals which of course being I'm due t be XXXX and right now because of that I can not pay my rent am homeless have no food and can not pay my cellphone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called and spoke with XXXX and XXXX on XX/XX/10 and asked how to update my name to my married name. They told me that i have to send my government ID, marriage license and Social Security card via postal mail. 

This puts me at risk of someone getting my information and using it fraudulently. I shouldn't have to expose my self by sending my full social security card, ID with my full name and address and marriage license via mail to have my last name updated.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 2023-05-29
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-20
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Apple card that was restricted after using it out of state. When I try to get in contact with the car company, I was told theres nothing they can do. They had me verify my identity and Ill change my account password, but there was still nothing they could do to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
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 viewed my credit report and found inaccurate addresses on there

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 2023-06-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account is being ran as a charge off. I have never received the 1099 cancelation of debt form and because of this the account isnt accurate and must be removed 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 explanation
Consumer complaint received 2023-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already successfully disputed and had these same accounts removed from my XXXX credit report, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate and up-to-date consumer credit information. It is my legal right under the FCRA to have inaccurate information removed from my credit report promptly. 

I sent the same attached letters in the mail.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2022-12-14
Company: Equihome, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am not the borrower. I am the VA real estate appraiser involved in a VA mortgage refinance ( VA Case Number XXXX ) by Equihome Mortgage XXXX mortgage broker ) / XXXX XXXX ( owner ) that closed in XX/XX/2022 in XXXX  XXXX XXXX XXXX  XXXX 

Unfortunately, the VA Appraisal Invoice remains unpaid though the originating lender, Equihome Mortgage, has promised to pay multiple times including to myself, VA staff, and the funding lender. 

Colorado Revised Statute 12-10-713 requires the appraiser to be within 90 days of report delivery or within 30 days of the loan closing, whichever is first. 

The VA Lenders Handbook requires the VA Appraiser to be paid within 45 days of the XXXX being issued. 

The 1805 VA Appraisal request contains the following certification for submission to VA : On receipt of " Notice of Value '' or upon advice from the Department of Veterans Affairs that a " Notice of Value '' will not be issued, we agree to forward to the XXXX the approved fee which we are holding for this purpose. 
The following is the case timeline : XXXX : VA XXXX requested XXXX : VA XXXX delivered to the VA portal. 
XXXX : Notice Of Value issued based on my appraisal report. 
XXXX : Per the Assessor record, the VA mortgage was recorded. 
XXXX : Equihome Mortgage / XXXX XXXX promised to pay the outstanding VA appraisal invoice after I contacted them for payment. " Vice-President of Operations '' XXXX XXXX was CC 'd on this email. 
XXXX : Equihome Mortgage / XXXX XXXX  again promised to pay ( " checks in the mail '' ) to a VA senior staff member. XXXX XXXX asked for my bank account number, which I declined to provide for obvious reasons. 
XXXX : Payment not received. I filed a complaint with the XXXX XXXX XXXX XXXX XXXX for possible violation of CRS 12-10-713. 
XXXX : Payment not received. The wholesale funding Lender, XXXX  XXXX XXXX upon my request for payment, contacted Equihome Mortgage for the status of payment. Equihome Mortgage / XXXX XXXX reported the " checks in the mail '' as of XXXX. 
XXXX : Payment not received. I contacted the XXXX XXXX XXXX XXXX  XXXX XXXX Equihome is based in Utah ) to inform them of the situation ( sent them the email chain regarding requests for invoice payment ) and the fact that Equihome Mortgage has an expired license. They responded with an invitation to file a complaint through their online portal, which I did. 
XXXX : The XXXX XXXX  responded with a letter indicating an investigation of Equihome Mortgage has been started. I also emailed the funding lender, XXXX  XXXX XXXX, advising them that payment has not been received. 
XXXX : Payment not received. I filed a complaint with the Consumer Finance Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell JPMCB AUTO to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

JPMCB AUTO Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-01
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Using my Citi credit card at a XXXX store, the prompt displayed " do you want to shop with points ''. The receipt credited {$10.00} for shop with points but Citi deducted XXXX rather than XXXX from my rewards points. I've historically used my rewards points as statement credits and I pay in full monthly, having never been charged interest BUT Citi is effectively charging 25 % interest for shopping with points. It is deceptive and predatory. Citi will make millions by stealing 25 % of consumers ' rewards balances in that scheme. I contacted Citi when I saw the issue after the 2nd time and they said, management likes to hear customer feedback to improve products so they'll pass my comments on to them, and that's all they had to say. Going forward, I will skip shop with points but a down on his luck or maxed out card holder could need points to complete purchases if they have no other means. Citi owes me {$5.00} but they must stop redeeming points for less than their value and stop bamboozling customers with a quick POS terminal request to use points where the redemption value does not equal points consumed.

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