BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
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: Personal information incorrect

Complaint:
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.

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 2020-12-21
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'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2023-09-21
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX open account with SeedFi I had on time payments never late paid off got back XXXX XXXX I look at my credit report now its saying SeedFi just put a negative remark onto my credit profile the XXXX XXXX, XXXX and XXXX said they dont understand this because it showing paid off never late .SeedFi told me to contact another company thats buying them out. I called the company. They said they dont have my file to take it up with SeedFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had enrolled in a business checking account with square inc. the events I had planned did not realize and it sat dormant for a few months around the first week in XXXX I had a direct deposit from an employer deposited. After the second deposit the following week I was frozen from my assets and told a review was made and they had chosen to no longer do business checking with me. I was then informed the fingers would be held for 90 days, witch is mentioned in the leathery user agreement but as I surmised after reading this action should only be used if I had transactions excepting funds from customers for any possible return discrepancy. I had not used the product for commerce as a business only as an expense basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by Experian after they had previously deleted it. Back in XXXX of XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.

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 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I was leasing a new XX/XX/XXXXXXXX XXXX from Chase. I extended the lease at the end because I was waiting for the new XXXX XXXX model to come in. The origional lease was due XX/XX/XXXX.On or about XX/XX/XXXX I paid the lease for the XX/XX/XXXX payment. On XX/XX/XXXX my new car came in. I was not expecting it until the end of XX/XX/XXXX. I get paid once a month and pay all my bills at the beginning regardless of the date due on that month. I turned in the leased vehicle XX/XX/XXXX to the XXXX XXXX XXXX XXXX NC. I also started the process to buy my new car. Six weeks prior to this date of XX/XX/XXXX I brought my leased car into the dealer at XXXX XXXX to inspect my tires. I was told that they did not need replacing. At the end of lease I Had under XXXX miles on the car way way under mileage ( XXXX + miles ) so I did not expect the tires needed to be replaced anyway. I also added leather seats to the leased vehicle at the time of the lease costing XXXX dollars extra. At the end of lease I got a bill for {$530.00}, XXXX dollars for the end of lease fee and the remainder for wear on the tires. I knew about but XXXX lease fees but my early payment of {$390.00} covered that and I don't believe my tires had enough wear on them to be charged. I wrote them a letter but never received a response and today I received another letter for the {$530.00}, no mention of my letter. I don't owe them anything, they owe me {$94.00} for the early payment made on the XX/XX/XXXX, not due to the XX/XX/XXXX when the vehicle was turned in on the XX/XX/XXXX. I also thought they would contact me so I could be there when they made their inspection but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Upgrade, 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 noticed an acct was opened with Upgrade Inc. The account appeared on my credit report as of XX/XX/2022. Upon noticing, I immediately contacted the company to tell them that I did NOT authorize the account. I was told that the account would be closed and reported to the credit bureaus. On XX/XX/2022, I noticed that my credit score had dropped by XXXX points. Upon further investigation, I saw that the reason for this change was that the account with Upgrade Inc., which I had considered closed, was delinquent by 60 days. The total balance on the account is {$1.00}. I did NOT open this account and I am NOT responsible for its delinquency. The account should have been closed in XX/XX/2022. 

In addition, there are two other hard inquiries on my credit report that I do not recognize. One is from XXXX XXXX The other from XXXX. The origination date for both is also XX/XX/2022. Upon noticing these, I immediately contacted member services teams for each. I was told that there is no record of my having requested an account. The inquiries, however, were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I first noticed that on the XX/XX/XXXX that my credit score was updated on two of the three credit bureaus, XXXX  did not adjust ( which is sometimes customary ( as long it is not a low score ) ), my XXXX  score had risen greatly ( no complaint against them ), however, my previous score with Equifax was XXXX, with a good credit standing, but it dropped tremendously about 56 points to XXXX without reason. I contacted an Equifax customer service agent after creating a MyEquifax online account, and the agent was giving me tips on how to improve my credit score by signing up with the only card I have and is in good standing with, after I explained the aforementioned issue ( why did Equifax lower my score whereas the other two had either risen or remained stable ). 

So basically, I am only asking that Equifax not only bring up my score back to XXXX, but also update my score with the recommended points close to or above 700. I only have one major credit card ( XXXX XXXX/MasterCard ) in which I have been paying two or more large payments before the due date the last two months ( from XX/XX/XXXX and in XX/XX/XXXX ), so my question is why did this credit bureau lower the score by 56 points whereas the other two bureaus either heightened or stabilized the score?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I presented this credit card with capital one as soon as I found out that my credit card was being used by my health care workers who only had the personal permission to pay my cards and not used them. I lost my XXXX  and had to go under an XXXX  not knowing that I had 2 move XXXX  to go. it was not easy being XXXX after having my XXXX  all my life. Most companies had a hard time understanding because my bills were being paid. What I was told by the law the State Police all I had to do was to report the incident to the police and. and to submit the report to my credit card company. 

This card was disputed by XXXX XXXX  and taking off my report. I was told, when your company spoke to me I was confused and not being able the review the reports I went and starting paying the credit card on my own. I thought that you were sending me a new card instead you never sent the card but were sending a bill with a new card number .but the bill was never paid because I never use the card. every time my caregiver paid my bills it never questioned that I never had the card you told me that you were going to send a new card out. but when I didn't review the XXXX realize I asked XXXX and i was told that the card was deputed and taken off my credit report. so the payments are for the card that I never used and a card that I never received. I understand that you didn't know so many of these details but I hope that this clears up. I never used the card and was paying for a card I never received. I've still disputed this account whatever the old number that this card replaced the card was attached to. and was used without my permission during the time I had home caregivers was a card that I was attaching to. 
but the card was used without my permission. I believed that the dispute says identity theft. this carded used to be mine, after being reported stolen you charged the account and passed the balanced to the new card but never send the new card. I continued paying for an account that I didn't use the balance was not mine. 

a police report was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a statement from XXXX XXXX stating that I owe my payment to them for XXXX. I called my previous servicer XXXX and the auto message said that my mortgage was recently transferred. I never received anything from XXXX advising this. My auto payment was already sent to XXXX for XXXX. If possible, I would like my mortgage to stay with XXXX. If not, I would need the funds I sent to XXXX forwarded to XXXX XXXX, with no adverse action taken. I have already filed a separate complaint against XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ok I opened an account with capital one After I Received my debit cards I got an email from capital one stating that my accounts are potentially closed I after that I gave them a call and they told me there closing my accounts because of previous accounts that I have had Previously which I never had an account with capital one ever they closed both of my accounts for no Reason capital 360 and small business account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " XXXX, XXXX, Experian may have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that XXXX changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. Experian corrected about 52 % of the disputed late payments or other bad data and XXXX fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much stress. If nothing is done, I will be joining a class action lawsuit against your company. 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 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Capital One XXXX  card and got denied. My credit score is a XXXX. I assumed I had a fair chance. Please help me understand why I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019

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 2022-10-18
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My step father co signed on a vehicle with me, but shortly after, his health declined. He ended up in a XXXX home, where he remained until his death on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 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 explanation