BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017, I attempted to upgrade my phone on the XXXX XXXX XXXX website. Unfortunately, I ordered the incorrect device. I immediately tried to CANCEL my order, but there was NO WAY to cancel your order on the XXXX XXXX XXXX website. I called them that same day, and after about 2 hours of holding, I got someone who informed me there was " no way '' to cancel the order, " it's already on the truck '' but I could refuse it when it arrived, and he would order me the XXXX XXXX right away. I refused his offer to purchase another phone. The ( wrong ) phone arrived when I was not home and was left on the front porch. ( WHERE IT COULD HAVE BEEN STOLEN ) I took it to the post office, marked " REFUSED ''. I then called XXXX XXXX XXXX every single day for two weeks to find out if they received the phone and at one point I got a guy who gave me the original tracking number and told me they had received the phone and tried to sell me another phone. Every Person I talked with was no help, and only wanted to sell me another phone, before they received the one I sent back. I also contacted them via chat to try to see what I should do. 
I spent over 15 hours of my life trying to rectify this situation and then a month later- after I had cancelled my service with XXXX XXXX XXXX because THEIR CUSTOMER SERVICE IS a JOKE, the SAME frigging phone shows up in my driveway! 

On XX/XX/XXXX, I off work early and went to the XXXX XXXX XXXX store in XXXX, Alabama on XXXX XXXX XXXX, and sat there for about 30 minutes waiting on a salesman, trying to return the phones, only to be told that store wasn't the store I needed to go to to return the phones! Well, the store I needed to go to was out of the way, and I never made it by there to return them. I meant to get by there and just never did. 

WHY DO THEY MAKE IT SO HARD TO DO THE RIGHT THING? This is infuriating. 

So now, XXXX XXXX XXXX wants me to pay for this phone and I think they SHOULD PAY ME for putting up with their XXXX. They offer no way to alter, edit or cancel an order. 

Furthermore, the " new '' phone was never set up in my name so how can I be responsible for it? Now, this is in collection and XXXX XXXX XXXX wants {$1600.00} from me. I am ready to fight them and go to court on a class action because they are shady, slithering crooks who only care about making a sale. I was a 10-year, faithful customer who NEVER MISSED A PAYMENT. NO MORE. Absolutely the bottom-of-the-barrel tactics.

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 2022-08-19
Company: EQUIFAX, 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: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Residential Bancorp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had my closing on XX/XX/2022, I received the Closing Disclosure ( CD ) from XXXX XXXX ( Loan Officer ) on Tuesday evening XX/XX/XXXX, after he had been promised to deliver the CD to my wife and myself on Wednesday XX/XX/XXXX, that's basically one week later, every day I called XXXX XXXX about sending the CD, He kept saying that I will send it to you guys in an hour, until that Tuesday evening on XX/XX/XXXX. 
When we finally received the CD, we reviewed it, everything ( the higher interest rate, exorbitant and unjustified charges, no buy down ) on the CD was completely different from what that was promised to us by XXXX XXXX and from what from what that was in the Loan Estimate. 
Our concern is mainly on the Closing Disclosure on the second page, under A. Origination Charges, # 1 where we are charged 2.25 % of Loan Amount ( points ) for a total of {$7200.00}, we asked XXXX XXXX why the fee was, he could not give us a clear explanation, he finally told us that, we are charged that fee because we paid 20 % down, which we thought was a bogus explanation. 
When asking XXXX XXXX to change that, he said if he send the CD back to the underwriter, we will not be ready to close on XX/XX/XXXX, us he also known that the builder was going to charge us {$300.00} a day until we are able to close, if we go in default of closing on the date provided. 
We felt like we were played and taken advantage of, we just want our hard working money back, especially XXXX XXXX put us on a very high interest rate 6.125 %, and that our attorney advised us to file a complaint before escalating the situation further. 

Thank you, if there are any questions do not hesitate to contact us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
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:
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

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2022-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
They said they was going to remove the inquiries, but they never did inquiries that I did not authorize

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1 ). This complaint is not a duplicate complaint of any previous complaints at CFPB ; and this complaint is the continuation of the previous two complaints with the complaint IDs XXXX and XXXX. 
2 ). I successfully paid the {$8400.00} to my American Express credit card in XX/XX/2018 ( the payment confirmation from XXXX XXXXXXXX is attached ) but American Express wrongly missed the payment ( the payment activities from American Express are attached ) and intentionally ignored all my disputes with that missed payment, and then hired several different collection agencies to harass me and wrongly added delinquency to my credit report. 
3 ). In its response for the complaint XXXX, American Express again provided fraudulent monthly statements to show that my {$8400.00} payment was not missed and was applied to my American Express credit card but ignored the payment activities I submitted in that complaint. Much worse, American Express falsely stated that we are unable to confirm the payment information on your online payment center, as we do not have access to your online account, but all those payment activities were from American Express, and I got them from American Express website on XX/XX/2018. Its weird that American Express provided the fraudulent monthly statements that do not comply with the payment activities and falsely denied it has access to those payment activities from its own system. 
4 ). Therefore, I hope American Express could be penalized for providing fraudulent monthly statements, wrongly missing my payment, intentionally ignoring all my disputes, repeatedly harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Since about XXXX or XXXX I have been trying to dispute this Alleged debt. originally from XXXX XXXX XXXX. The account was originally opened XXXX The amount of {$360.00} is the balance ( I have no idea how much the total credit card limit amount was ) Because I NEVER OPENED AN ACCT. in XX/XX/XXXX with XXXX XXXX XXXX!! I have send many letters to XXXX XXXX & nothing, & to the credit bureaus. & It would be off my credit because of the 7yr statue of limitation would be this year but XXXX XXXX sold the debt. to a collection agency in XX/XX/XXXX to PORTFOLIO RECOVERY ASS. XXXX XXXX XXXX XXXX. XXXX VA XXXX .... ( they do this purposely so it won't be removed in the 7 yrs! ) IT SHOULD BE ILLEGAL!! 
I Have sent for years, several dispute letters to portfolio recovery & they can not proof this debt belongs to me, no original contract, no wet signature nothing but a summary of a bill ... any one could open this acct. online with my personal info & they are violating my rights because they have ignored all my letters to dispute & validate this debt. that does NOT belong to me, it is being reported on XXXX XXXX XXXX XXXX & it is affecting my credit scores. I am tired of them reporting fraud on my credit reports! I deserve it to be removed immediately! If this debt was mine I would have been paid it by now!! It is only {$360.00}!! It is against the law for a 3rd party company to report on my credit reports with out proper validation & they can't proof it, because they know it doesn't belong to me in the 1st place, they are just greedy debt collectors & don't care about doing the right thing!! I have several credit cards & all are reported paid & on time & in good standing, with way higher limits! THIS IS RIDICULOUS!! This is hurting my chances of getting a better interest rate for a new home I plan to buy soon. I appreciate your help. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2022-04-23
Company: Exeter Finance Corp.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Paid off Exeter finance car loan with a refinance loan at a much better rate in XXXX of 2021 with XXXX XXXX XXXX Exeter is reporting this as paid off through bankruptcy which is totally false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my updated credit report and notice multiple fraudulent/inaccurate inquiries that the credit bureaus refuses to help delete and even fail to send me an original document proving that the information was accurate. I've talked with numerous of representative from the company and still no cooperation with help removing or deleting the below fraudulent/inaccurate inquiries. 
XXXX XXXX XXXX XX/XX/2021

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 2022-08-19
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 XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and 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 explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6300.00}

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 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-01-29
Company: Capio Partners, LLC
State: NY
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:
Derogatory credit reporting was submitted by AssetCare, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$990.00} and {$640.00}. I have never had an account with AssetCare. Despite my father requesting information from them, these accounts have never been substantiated. Out of network charges are never approved and I am fully insured and covered under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief