BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MI
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 disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EIC Enterprises
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I took out a payday loan for {$200.00} and I just noticed that they are still taking money out of my account. To be clear every two weeks Next Loan takes out {$59.00} since XX/XX/XXXX. I have paid them XXXX as of XX/XX/XXXX and they stated if I pay them off today my payment would be {$250.00}. If I want to keep making payments until XX/XX/XXXX it will still be {$59.00}. This is highway robbery. This means if I pay them to next XX/XX/XXXX I would have paid them {$1.00}, XXXX for {$200.00}. I have never in all my XXXX  years heard of this and how did they come up with a year contract for {$200.00}? Somebody please tell me what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called the XXXX XXXX for Bank of America and reported withdrawal history that I did not make nor gave permission for. After filing said claims I received in the mail the Denial of Claim Letters. They stated that my claims were denied because B of A found evidence that I performed the withdrawals myself or gave permission for someone else on my behalf. These withdrawals totaled more than {$5000.00} and were in no way done with my consent or knowledge. They were done at a Casino near where I live. I called B of A to request the documentation and any proof that was used in order to make their decision. Several weeks later I rcvd what they considered the absolute proof that I was responsible for what I had claimed, all that was sent to me were print outs of transaction history in and around the time of the particular disputed transactions. This is something obviously I already was aware of and had access to and that any monkey could have printed out and in my opinion does NOT constitute valid, without doubt proof that I was responsible. I have attempted to contact someone higher up with no luck and was advised that my claims would not be reopened, no individual will answer any questions and I am basically told oh well and laughed at. I think their excuses are not valid and not professional and that they did not handle my disputes accordingly and I want my money back.

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 2023-10-17
Company: EQUIFAX, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I began a membership on a local gym. I had visited the gym just a couple of times before I was forced to stop due to work. I had requested a cancellation in XXXX, but because of health and work reasons I did not follow up. They would still debit the monthly payment right up to XXXX of this year when I had to change my debit card. After a couple of months, in XXXX, they contacted me about the debt. They said that it could affect my XXXX XXXX, and even called XXXX of the contacts I had provided. I told them that I was not prepared to pay the full amount, almost {$600.00} at that moment, but, if we could reach an agreement, in about 30 days I would be able to cancel the debt. They said that it would be referred to a collections company. At the moment, I thought that it would be better since I could come to an agreement with the collections company. 
On XX/XX/XXXX I received a call from XXXX at Genesys Financial, who began the conversation saying that he was calling to ask for my legal representation information because a legal process would be beginning against me because of the debt. I felt threatened. He did not inform me if the call was being recorded or not. He then continued to say that I had refused to pay the debt when I specifically told the person that had called before that the payment would be made in 30 days. He informed me that the debt now was {$1100.00} approx, and that I had until tomorrow, XX/XX/XXXX at XXXX to make the payment. He sent information regarding his company, but the company 's name on one of the documents does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: CA
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. Let me be unequivocally clear : I will not tolerate this unacceptable level of apathy. As a victim of identity theft, I have suffered immeasurable damage to my financial stability and emotional well-being. The consequences of your inaction are not confined to paperwork and reports ; they permeate every aspect of my life. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. This is the account that I'm disputing : XXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NC
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2022, I received from CAPITAL ONE AUTO FINANCING sent a Notice to Default and Cure. XX/XX/2022, I respond with a Notice to Dispute citing violations and ask for debt to be validated. CAPITAL ONE AUTO FINANCE sent a letter not responding to what the dispute was addressing. I replied with a Cease and Desist. CAPITAL ONE AUTO FINANCE continued to Report late payments. CAPITAL ONE AUTO FINANCE repeatedly sent Notice of Default or Right to Cure. Stating I request benefits under the service member Civil Relief Act, being deceptive, stalling and not addressing the violations. I then sent a Notice to Rescind and Cure with an Invoice attach. They sent a copy of agreement. never replying or addressing what was sent. checked my consumer report CAPITAL ONE AUTO FINANCE removed the value and it out of owed status XXXX XXXX placing it in closed accounts with derogatory statements. I called CAPITAL ONE AUTO FINANCE inquiring about the Car Title. Representative XXXX told me I still owe on the car. Neither have they acknowledge my Invoice. I never gave CAPITAL ONE AUTO FINANCE written permission to furnish information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical debt for {$80.00} from XXXX XXXX  XXXX. The original creditor was XXXX XXXX XXXX. I do not know of this creditor and the reason the debt is in my name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have not had any transfers or mobile wallets or digital transfers or wire transfers. Ive never had XXXX XXXX. Ive never had any kind of Western Union or XXXX XXXX XXXX. Ive never transferred money ever from my account but theres wire transfers I know and XXXX XXXX in western unions those are fraud. When I contacted Western Union and they told me that I needed to contact the local police department. I received an email from them and I told them I have never made an account with them and the lady had told me while I shouldnt I need to go to the local police department and she was deactivating the Western Union account that was somehow created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied my right to credit as a consumer. 

AMEX securitize the receivables which are the applications. 

AMEX SEC Filings and prospectus demonstrates the securitizing of the indebtedness. 

I provided AMEX a financial asset and didnt receive any consideration for the security collateral. This is securities fraud. 

Please retract my application or credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to the USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: CA
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:
My wife and I have had a credit card with Nordstrom since XXXX. And my wife and daughter XXXX XXXX XXXX XXXX of Nordstrom. I am extremely disappointed by the negative impact I am having on my credit. 

I paid my account in XX/XX/XXXX. In XXXX and XXXX, my bookkeeper failed to make payments due to unforeseen personal circumstances. Once I realized that the card was past due and charging late fees of {$37.00}, I paid the late fees and balances owed in XXXX, but late fees continued to be assessed up until the balance owed and fees were paid on XX/XX/XXXX. When I paid the late fees and balance I called Nordstrom Customer Service to request a one-time courtesy reversal, the agent told me he wouldnt remove the 30 day late off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2023-10-17
Company: EQUIFAX, INC.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my 1099-C letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
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:
RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, XXXX, and Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to Equifax about the inaccurate information they are reporting on my consumer report numerous times. They have not sent any method of validation on these items or have they followed procedure to ensure maximum possible accuracy of my report. I swear under penalty of perjury that this information is true to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went online to my personal checking account and I noticed that SWBC Mortgage accessed my checking account and withdrew my mortgage payment without my authority. 
I never let company 's auto draft on my account, and I have always submitted the payment manually. 
I called SWBC mortgage and they said I gave them authority to withdraw my mortgage from my account through an autodialer ( Robo call ). That's complete XXXX 
I said if you have the recording of the call with me giving you permission let me hear it. Of course they couldn't do it, because it never happened. 
It's a crime to access anyone 's personal bank account without that person 's permission and I'm sure its a felony to misrepresent themselves for payment. 
I spoke to XXXX XXXX and I asked them why they let someone without authority access my account. 
On XXXXXXXX XXXX XXXXXXXX weekend, I received a fraud alert on my account and I called XXXX XXXX and they are investigating it. When I hear back from XXXX XXXX I will know whether the fraud alert was triggered from SWBC Mortgage. 
I had to cancel my debit card during the weekend. 

Please get back in touch with me as soon as possible, this horribly upsetting to me. How in the world could anyone access my personal checking account without permission. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation