BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2018-03-08
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, 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 2023-04-04
Company: EQUIFAX, INC.
State: AZ
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:
XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.

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 monetary relief
Consumer complaint received 2019-03-17
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased furniture from XXXX XXXX in their store in XXXX KY on XX/XX/2018, totalling {$3200.00}. They had a 101 days same as cash promotion going on, and told me that if I did not pay it all in that time frame, it would roll over into a loan. I signed an application and had the receipts for the purchase. I do not remember signing anything electronic. The payments went to American First Finance. 
During the 101 days, I paid {$1000.00}. 
After this time, they told me that I would now owe a huge amount, where the electronic contract that I signed said that I would pay 144.60 % interest! I told them I did not sign this! I told them that was extremely unfair, and I believe that it is illegal! I continued to make payments and continued to call them and as of XX/XX/2018, I had paid the remainder of the purchase amount. Now all I owe is the interest on {$2100.00} for the amount of time that I paid on that money, which is 8 months. 
I have spoken to the company several times, trying to negotiate a fair amount of interest for the both of us for the amount/time frame of what I would owe them, which is {$2100.00} for basically 8 months. They have now put this on my credit report, saying that I am late on payments. 

The best verbal offer for settlement from American First Finance that I have is {$2400.00}, or they say I can make payments on the full balance of {$3400.00} ( on a purchase of {$3200.00}!! ). l believe this is illegal, and there are usury laws in KY that have a cap of 19 %. I had no idea what I was getting into with this company. I now need to trade my car and my credit rating has dropped several points, which is going prevent me from getting the vehicle. 

I am willing to settle this for 19 % interest for 8 months on {$2100.00} which calculates to {$270.00}. They are threatening me with a collection company. I believe this company to be using illegal and extremely unfair business practices to their customers. There are several online complaints just like mine where they done this to other people.

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 2021-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEMAND TO VALIDATE NOT VERIFY DEBT CLAIM RESPONSE TO 10 DAY WRITTEN NOTICE FOR A CLAIM OF DEBT IN ACCORDANCE WITH USC 31 3716, 5 USC 5514, AND 45 CFR PART 30 AND 32 AND PURSUANT 45 CFR PART 32.6 ( e ) ( 1 ) Burden of proof. ( 1 ) The Secretary has the initial burden of proving the existence or amount of the debt. 
1 PLEASE TAKE NOTICE OF THE Following It has come to my attention, after scrutinizing some documents, that you are collecting monies from me that you were never entitled to. 
Furthermore, your original claim has errors and deliberate misrepresentations. Thus, pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq., this notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
Moreover, this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed by producing the following : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. 
( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. 
( 5 ) Proof of claim in corresponding ACCOUNT Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or othe

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 2017-06-06
Company: SUNTRUST BANKS, INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2017, our client 's email account evidently was hacked changing the client 's wire transfer instructions from his bank, XXXX XXXX XXXX XXXX, to SunTrust Bank in XXXX, FL. A wire transfer in the amount of {$53000.00} was sent from XXXX XXXX in XXXX, KY to SunTrust Bank in XXXX, FL and was deposited into a fraudulent account by SunTrust. The receivers name on the wire did not match the name on the account described in the wire transfer instructions, however SunTrust deposited the money into an account and allowed it to be withdrawn. SunTrust was contacted by XXXX XXXX in an effort to retrieve the wire but SunTrust refused stating the money had already been withdrawn. <P/>We believe SunTrust Bank violated Federal Banking Code 4A-207 of the Federal Banking Regulations ( attached ) and  request a full return of the {$53000.00} that was placed into the incorrect recipients account by SunTrust Bank.

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 2019-12-06
Company: EQUIFAX, INC.
State: GA
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 have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Credit/ XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX   XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX + Finance Equifax Mtg Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX  XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX EQUIFAX : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Equifax Mortgage Sol Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: MS
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:
ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.

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 2017-06-06
Company: PlusFour, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I received a email from a company claiming they were Chase bank. It said my account had been withdrawn for a purchase I did not recognized. It then asked for my personal info, name, birthday, ssn, and card #. By the time I realized the email was a scam it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-11-13
Company: CURO Intermediate Holdings
State: OK
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 NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " CURO '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
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:
Equifax did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.

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 2021-11-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions 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 had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

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