BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XX/XX/XXXXbutton XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Rushcard stated they would be doing a system update that would end at XXXX Mon. XXXX XXXX. They have yet to finish the update and users are shut out of their accounts, funds are missing, deposits have disappeared and no one is answering the customer service lines and if you are able to get thru after a XXXX hour hold time you are hung up on. Something must be done so that this will never happen again. People are in need of their money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: The Savings Group, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
No dates needed... only you need to review these sites for blatant lies affecting peoples credit scores. The company XXXX is a " broker '' for auto loans, and states everywhere within its site that they take only soft inquires and " no credit score impacted ''. Please visit mytresl.com to review. Terms and conditions link at bottom of page is very vague, and only states they " pull credit '', but within their site ... .and every major review company 's site, they exclaim there are no hard inquiries to credit report until someone actually applies with one of the lenders you accept. The term " soft inquiry '' is used throughout. This is obviously being pushed to every site possible by the company. The other is RateGenius. I applied through XXXX expecting soft pulls on credit, per their site, and major reviewers sites, like XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. However, I have proof of hard inquiries into my report. Looking further, one of their lenders which did a hard inquiry on my report, is XXXX and can be found at XXXX XXXX XXXX  Again, they state no hard inquiry ... and claim partnership with XXXX. Rate Genius is another site which exclaims they do not do hard pull inquiries, but diving further they at least state in their FAQ 's page that a hard pull is possible with just their simple application. However, their application term is vague and leads one to believe it'll be a soft pull until acceptance of a lender offer. Keep in mind, neither of these sites ask for social security numbers, which makes consumers feel like a soft pull is only possible. These sites are owned solely by a company called " The Savings Group '' after a merger in XXXX of XXXX It's apparent that these companies are lying to consumers by stating credit scores will not be impacted due to soft pulls, while they're clearly doing hard inquiries, impacting consumers credit scores. I have documentation to prove it. My credit report now shows multiple lenders/banks pulling hard inquiries for an auto refinance from both companies. This is unacceptable, and made worse by the trusted major financial review sites pushing this lie. All should be held liable ... The Savings Group for misleading with false statements, and the large financial reviewing companies for passing these lies on, without their legal teams vetting the info. The Savings Group needs to be addressed for substantially bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed Equifax 's reporting of XXXX XXXX AS INACCURATEAND INCOMPLETE WITH SPECIFICITY AS TO WHAT IS inaccurate on at least XXXX occasions.XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX confirmation # XXXX, XX/XX/XXXX CONFIRMATION # XXXX, AND XX/XX/XXXX confirmation # XXXX.XXXX IS A CLOSED ACCOUNT yet willnot report a close date leading to others to believe upon receipt of Equifax reporting that the account is open.XXXX XXXX REPORTS A LAST PAYMENT AMOUNT ANDSCHEDULED PAYMENT AMOUNT OF XXXX.these are obviously erroneous on their face. 
the lack of detailed reporting obfuscates Equifax 's and XXXX colluded extortionof illegally excessive fees contrary to XX/XX/XXXX CREDIT CARD ACT. 
EQUIFAX , ALONE CAN NOT REPORT INACCURATE OR INCOMPLETE INFORMATION '' ON THE FACE OF THE RECORD '' WITHOUT BEING IN VIOLATIONOF FCRA regardless of creditor verified reporting.I WILL LITIGATE PRIOR TOSTATUTE OF LIMITATION ALLOWANCES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I am not a lawyer : This account contract and signature spell incorrectly and it's not my signature investigate this properly. Nissan Motors allege that there is an account that belongs to me # XXXX for the past two years I have been disputed this account with Nissan Motors I also disputed this account with all credit bureaus apparently this account comes back verifiable it seems no matter how many times I dispute this account the credit bureaus do not do a proper investigation in the process of the two years I have been disputed this account I have taking the time to practiced. I am not knowledgeable of when this account was generated I am being forced to announce whit all my respect to the credit bureau and the cfpb.to enforce us code 15 u.s code 1692k-civil liability- ( a ) ( 1 ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) And 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( A ) And ( b ) Opt out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Sir or Madam, I disputed XXXX XXXX in the month of XXXX 2016, for the amount of XXXX dollars, and after the due diligence of XXXX Credit Bureau ; it was removed on XXXX/XXXX/2016. 
XXXX had the same amount on my XXXX Credit report which was successfully removed on XXXX/XXXX/2016. 
Both accounts were for the same alleged medical bill. 
Today I noticed that XXXX XXXX, phone number ( XXXX ), reported an amount of XXXX dollars on my Equifax Credit report. This dropped my credit score by XXXX points. 
It is apparent that this is a shell game, I 'm not sure how legal this activity is. I would like this removed from my credit report immediately. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX ACCT. 
XXXX XXXX XXXX XXXX XXXX Dear Sir/Ma'am I XXXX XXXXConsumer to Experian Information Service this is request for complete validation/verification of this alleged debt your agency is reporting on my Consumer Report. 
I have disputed this account several times with EACH Consumer Reporting Agency. XXXX and XXXX have BOTH permanently deleted this item from my Consumer Reports.

ACCOUNT TYPE INCOMPLETE/INACCURATE, PAYMENT SECTIONS INCOMPLETE/INCORRECT, DATES AND ACTIVITIES SECTIONS ARE INCORRECT/INCOMPLETE CEASE ALL CONSUMER REPORTING UNTIL YOUR INVESTIGATION IS COMPLETE AND I AM SENT ALL REQUESTED DOCUMENTS LISTED BELOW.

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) XXXX- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. 

SEE FILE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX Fl. 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 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$300.00} in XXXX   in XXXX XX/XX/2022. Capital one charged me {$300.00} USD. They will not convert this from XXXX to usd. Which is roughly {$15.00} USD. Ive tried multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Empowerment Ventures, LLC
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I applied for a rush card on XX/XX/2015 and supposed to received it in 7 to 10 days. I received my first card but have n't received my other one with my money on it from my department. I called rushcard multiple times and ca n't get any answers. I checked online of XX/XX/2015 and it said I bad {$900.00} on there but when I checked later on it said {$0.00}. I have n't received my card even to get my money.im late on my car note, light bill, and loans I have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE acocunt on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.

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 2017-02-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report an account ( XXXX XXXX ) which is scheduled to be deleted XX/XX/2017, I have wrote to this agency and submitted a copy of their own credit file which explicitly states as to when this account is to be deleted with no resolve. 
At this time I would like to submit the same report to CFPB, to look into my issue. 
Thank you.

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 2022-05-31
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The service provider BSI financial has refused to provide a payoff letter for the refinancing and/or sale of subject property. In fact because of their inactions and refusal to act appropriately in under state and federal law. They have decided to force the property into bankruptcy. Additionally, documents show that there is an a fraud going on with the escrow account. Based on a letter from the provider, there was {$9000.00} in overage and an escrow account. The BSI refused to pay the taxes on the property even though the funds were in their account. Now all of a sudden the account is down to about {$3000.00}. Only thing done is they took money for themselves. They have constant lies about everything. They obtained a judgment for {$470000.00} in XXXX XXXX supreme Court. However of that is {$64000.00} in legal fees. They have given us numbers of {$470000.00} and {$530000.00} roughly and everything in between. The law firm has made accusations against a home inspector and made accusations against the law firm representing the property in bankruptcy. They have made false and repeated statements including claiming payments were not being made post bankruptcy file when yet they were. Now they claim they're only owed {$490000.00} but yet refused to give a payoff. You need to look at this case if you're really there to help us out. They also made statements to the bankruptcy attorney that they will do everything to ensure that the landowner is not successful in refinancing and or selling the property. This is proven by the fact that a plan was offered to sell the property to make the bank whole. The bank opposed the sale which would have happened within a 14-day period. They demanded the court that we seek a higher and better offer. When is it the business of the bank if they're paid in full to ask for anything more than what they're entitled to. They have done nothing but cause stress aggravation and defrauding the landowner of their rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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've noticed some fraudulent inquiries on my credit report that I did not authorize please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I, XXXX XXXX am a victim of Fraud/Identity theft. XXXX continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid off all medical bills. I am XXXX. Cadillac ACCNTS REC MGMT has chose to leave an open account on my experian credit report. This open account is bringing my credit report down Alll account by my former Attorney that were PAID IN FULL were left active. Former Attorney 's Name XXXX XXXX CADILLAC ACCNTS REC MGMT. Partial account number XXXX Address ID number XXXX XXXX ) XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA phone # XXXX XXXX XXXX partical account numbers # XXXX NEXT XXXX SAME COMPANY # XXXX ADDRESS ID # XXXX NEXT XXXX SAME COMPANY XXXX ADDRESS ID XXXX. The credit reports shows that I have a active balance with these credit reporting agency and I do not All balanced paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation