BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I lodged a complaint against Equifax for NOT PROVIDING ME A COPY OF THE DISPUTE RESULTS via the CFPB ( XXXX ). This is not to be confused as a copy of the credit report but rather the consumer is entitled to the results of the dispute separate then the credit report. In this complaint, it was very clear that the consumer was requested a copy of the DISPUTE RESULTS and that the investigation into the matter was already conducted and closed. However, this has proven to be fruitless. In fact, in a response to the original CFPB complaint, Equifax states that the consumer indicated that there were inaccuracies on the consumer 's credit report when in fact the complaint had nothing to do with. In fact, the complaint was due to Equifax and there handling of a copy of the dispute which is required to be sent by federal law. 

Equifax sent the consumers PII to two ( 2 ) different email addresses other than the ones that the consumer requested or operates. This is also a violation of federal law. Equifax stated that would fix and correct THIER mistake however they have not done so to do and have further refused to send the consumer a copy of the dispute results. In fact, Equifax stated that if anything happens with the consumers PII that they sent to another person other then the consumer themselves that the consumer would be liable for anything resulting as such, such as identity theft and or fraud.

EQUIFAX themselves have violated several state and federal laws and willingly and maliciously disclosed a consumer 's PII to others without the consumer 's consent as a vendetta and retaliation against the consumer for making complaints. The consumer DEMANDS that Equifax hold itself accountable and take ownership and correct the issue and email the copy of the dispute results to the consumer as promised and supposed to do in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Exeter Finance Corp.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : EXETER FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank allowed a fraudulent check to go through my account. XXXX allowed my personal check to be cashed by one of their members and did not see that who signed for the check is not who the check was made out to. Chase, my bank, allowed that transaction, also ignoring that who signed for the check was not who it was made out to. I also blame the person whose job it is to scan the front and back of checks to people 's accounts for viewing purposes, because they even let that go! 

Also, Chase lied and said they have supervisors in the Claims department who can address getting my {$600.00} back by requesting an escalation on my signed affidavit and over the phone. A telephone manager ( " XXXX '' ) today said there is no such process. This was Chase 's fault. It is clear to even a nonprofessional banker that a thief signed their name on the back of a check that is not made out to them, yet I have to suffer 30-120 business days before possibly getting my money returned to me. 

Chase has the proof this is fraudulent. They also have my signed and notorized affidavit. I want Chase to give me my money back now, because it was their error, and they can chase after XXXX for the money. It is the fault of these two corporate banks, not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SinglePoint GI
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:
This account is being shown as 3 separate collections. This is incorrect. The company intentionally split up the incorrect balances to cause irreparable damage to my credit. The initial balance was {$3700.00}. It now shows that initial collection + two additional collections which equal the 1st balance.

Three negative delinquencies for one incorrectbalance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
When calling XXXX to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from Capital One. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with Capital One letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My boyfriend and I were on a financing auto loan set up by XXXX XXXX with capital one for our XXXX XXXX XXXX. XXXX XXXX said we could not refinance our loan because it was the pandemic and were not working at the time. He said that we could trade in our XXXX and we got sucked into financing a new car- a XXXX XXXX XXXX. XXXX XXXX said they would take the auto loan from the XXXX off our hands and pay it off. He said he sent the check but apparently Capitol one never received it until a few months later, so Im not sure if he lied. Anyways, he ruined my boyfriend and Is credit very bad. Our credit report shows that we were late XXXX of XXXX ( 90 days ) and then it was written as a charge off in XXXX and XXXX. This is wrong. We stopped paying the payments of the XXXX because the dealership told us to and said they had it taken care of. It should not be shown late as we were told its not in our hands anymore. This ruined our credit and I reached out to both XXXX and Capitol one several times. My boyfriend and I would like our good credit back and for this issue to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: DriveTime
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " DT CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " DT CREDIT '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to DT CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested DT CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

DT CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " DT CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
NFCU refuses to grant a loan of any kind to this XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Veteran, especially when this XXXX has qualified on several occasions for a VA Home Loan. NFCU refuses to reimburse all of the current Fraudulent NSF fees applied to this XXXX NCFU account XXXX when this XXXX has a receipt that a deposit was made to cover checks written to this account ; as well as reimburse this XXXX for {$2.00}, XXXX Fraudulently stolen from this XXXX Savings account XX/XX/2017 and put back in this XXXX Account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Franklin Collection Service, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
The XXXX office at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX open a account for me. I saw with my XXXX   XXXX  app 1 hour after that they check my credit score to do some operation. I told to them that I don't want any credit and want to pay all in full. So I was going back to the office 3 hours after and cancel all the process.But they don't care and I saw 1 month latr that the account still opened without use the service by myself. 
I call the customer service told me that they is no problem and they will cancel everything.

Few month later I receive a call to pay a invoice, I explained again and now they put a Derogatory marks on my credit score for {$100.00}.

Again I never have the service and never use XXXX  service, so please help me that their people respect the laws.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: PLS GROUP, INC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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 value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Since XXXX of 2021 I have applied for the Military Lending Act with American Express. Since then they have been telling my my application is denied to this present day. Reason being that my eligibility does not meet the requirements of being XXXX XXXX at the time I applied. I have provided them documentation of orders that I have been on XXXX XXXX at this time. But after many attempts they keep saying that there is nothing they can do about it. They had no contact number at the DoD to discuss my case with and have been no help. The annual fee is about XXXX dollars for this card and they accepted me opening up the account before they could determine I was eligible for this act. 
I was just wondering if there was someone from the DoD that could inform me why I keep getting denied or someone provide me with a point of contact? Just feel really taken advantage of by American Express. Especially being someone who serves his country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CITIBANK, N.A.
State: OK
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:
In XX/XX/2020 I called Citibank REGARDING 2 CITIBANK CREDIT CARDS THAT I HAD, and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. 

They continued to report late payments on my credit report. I filed a complaint with the CFPB and Citibank corrected the credit reporting on ONE OF THE CREDIT CARDS ONLY. THEY ARE STILL REPORTING A LATE PAYMENT ON THE OTHER CITIBANK CREDIT CARD CURRENTLY. 

They are reporting to the credit bureaus late payments in XX/XX/2020 and that is not true. I Ive been a Citibank customer for several years and have never had a late payment. Now after several attempts to get these issues resolved Im requesting additional help with this.

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 2019-12-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
There is a Walmart Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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 am a XXXX XXXX XXXX man/ XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-12-27
Company: EQUIFAX, 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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Source Receivables Management LLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX the cell phone company is attempting to collect {$210.00} from me and has forwarded on their fraudulent claim to collections agencies. I asked for copy of a signed contract that bears my name on this alleged and FRAUDULENT account. Neither XXXX nor their collection agency XXXX were able to provide me with a copy. BECAUSE THEY ARE FRAUDSTERS! After failing to provide me with a signed contract XXXX sold off this fraudulent claim to a Source Receivables Management company. Who is also now attempting to collect on this fraudulent debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards 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