BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is changing me {$140.00} in overdraft fees on approximately {$20.00} in transactions. I spoke to customer service and spoke to XXXX ID # XXXX. She identified herself as a Manager of Small Business Customer Service. She refused to eliminate all or a portion of the fees even though she stated the policy had been updated to reduce the fees and go into effect in XXXX. 

I asked her several times and she refused. These fees are ridiculous. I have since put enough money to cover the transactions, but not the fees. I am now at a branch waiting to see if the manager will do anything here.

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 2020-05-01
Company: EQUIFAX, INC.
State: MS
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 owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

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 explanation
Consumer complaint received 2021-10-01
Company: ACIMA CREDIT, LLC
State: TN
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Please remove this account pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Fairway Independent Mortgage Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

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 2021-10-01
Company: Santander Consumer USA Holdings Inc.
State: TN
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 belongs to someone else

Complaint:
Chrysler Capital hit my XXXX  credit report when Idid not apply for credit. They did it on XX/XX/2021 and XX/XX/2021. I wrote them a letter on XX/XX/2021 asking them to send me a letter saying I did not authorize them to check my credit on XX/XX/2021 and for them to send it by XX/XX/2021. They hit it again on XX/XX/2021 again not authorized by me. The person they are checking lives in another state per my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Auto Trakk, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AUTOTRAKK. I have always made my payments on time yet there was a 30-day late and collection state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, collection, and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have asked XXXX how did the verify my dismiss Bankruptcy they said that they verified through a 3rd party!! I called the court they said that they dont release information.

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 2015-10-05
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During late XXXX and early XXXX 2015, I initiated XXXX different new auto loans with XXXX XXXX XXXX XXXX. The reason for the XXXX different loans was because I had the dealer re-write the loans to take advantage of discounts being offered. The final loan and the only valid loan was for the amount of {$32000.00} and was the only loan that should have lingered as " open '' on my credit report. I have been making payments on this loan and the current balance is much less. 
Meanwhile, the XXXX of the XXXX loans in the amount of {$34.00} continues to linger on my credit report and is reflected as " open ''. This amount is added together with the XXXX loan, which is valid, and added to the total amount I owe at the beginning of my credit report. 
I have contacted XXXX XXXX several times about this. Each time I am informed to wait another month for the matter to be resolved. I first reported this problem in XXXX so I have now waited 3 months. 
This is not only incorrect, but I am hampered from obtaining additional credit, because my total of monthly payments on XXXX open auto loans exceeds my income to monthly payment ratio. Also, since this is reflected on all XXXX credit reports, it appears to be a problem with XXXX XXXX reporting to the credit bureaus.. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I still have not refunded my refund check for my closed account. Every time you call and speak with someone, you're told something different. When I closed the account, the agent gave me no other option than a mailed check. I spoke with XXXX XXXX # XXXX ). I was told it would arrive by XX/XX/XXXX. Having still not received it, I reached out again. I spoke with XXXX who said it was shipped on XX/XX/27. When XXXX first got on the phone, he was unable to locate the check so I asked how he was able to verify it was sent on XX/XX/27 after putting me on hold. He couldn't answer the question after 4 times of me asking so I asked for a supervisor and was transferred to XXXX ( # XXXX ). He said he could not locate when the check was sent out ; just that it would arrive before XX/XX/XXXX. There's no accountability at Capitol One and it's the main reason I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car title was paid off on XX/XX/XXXX. At this same unfortunate time, Gateway One XXXX was sold off to Santander at this time. Since XX/XX/XXXX, I have called over 30 times. Santander did not process, even though I received the payoff letter from XXXX. Because of this, I'm unable to get a customer service person on the phone, as they have haven't put my social security in or given me a customer #, which is needed to speak to someone regarding this. 
I'm also unable to go to " get My Title '' website to obtain, because nothing was put in by Santander. 
This is my last recourse, as I'm needing to sell this car. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Lockhart, Morris & Montgomery Inc.
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:
I don't know just found out about a debt for XXXX that I don't owe it was a debt according to my credit report XX/XX/2017 for XXXX XXXX XXXX for education that I never had it says date of first delinquency XX/XX/2017 I've been disputing this cause this is a third party collection which is against the law. I need help to getting this removed from my credit XXXX, XXXX, XXXX. 
Sincerely XXXX XXXX XXXX XXXX Fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Long story short I was lied to multiple times by my mortgage company. Who is it you ask Wells Fargo bet you knew that was coming. First I was lied to about my closing cost hitch is the whole reason I chose to refinance with them in the first place. I was then told due to the lie I would be receiving a customer service credit to bring my closing down to the discussed number. This never happened it was suggested to me by a mamber of their team that this money would hurt rather than help and just be added to my mortgage and that it wasnt being issued as a customer service credit as discussed. They completed their investigation and then claimed that I would not be receiving anything as they didnt write anything down on their end. A company that tapes absolutely every conversation has no record of a claim they made multiple times during conversations. I was not told of my closing costs until 30 minutes before my first closing and had to have a second closing because they didnt add an escrow as I asked them probably 10 times to make sure was in their. They are deceptive and quite frankly con artists. I asked to get a call from a member of management to which was refused numerous times. Gentleman on the phone then got loud with me and said they had made their decision I pushed again and supposedly will be issued a call back within 48 hours.

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 2021-10-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

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