BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One Auto Finance was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-09-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Earlier this year I experienced an issue logging into my credit card account on chase.com. Specifically, Chase required me to enter Identification Code that they could sent to my phone via text or a voice call or via an email message. When I requested the Identification Code to be sent to me via a text message, no text messages from Chase arrived to my phone number.

The feature of delivery Identification Code via a text message to access Chase credit services is widely advertised by Chase on its website and is available to other customers of Chase.

I had informed Chase via Secure Messaging system that no text messages from them were delivered to my mobile phone account. My mobile phone account is able to receive text messages and I have been receiving identification codes via text from other credit card companies without any issues.

Over a period of two months I had been communicating with Chase via their electronic Secure Messaging system trying to resolve the problem. Chase representatives repeatedly asked me to call their company phone number in order to resolve the issue. I repeatedly asked Chase what information it required from me in order to resolve the problem and was willing to provide any such information via electronic messaging system upon request. During the two month period of me conducting communications with Chase in writing I never received from Chase any requests for any specific information related to the issue.

It appears that the sole fact of them speaking directly to me over the phone was their requirement in order to provide me with the same level of service as they provide other customers. Chase never provided me any other reason why my account is adversely affected. 

In XX/XX/2018, Chase informed me that they will no longer be communicating with me via Secure Messaging system on their website. Subsequently I contacted Chase about additional issues restricting my use of their website and my requests were left without a response from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

44.6K 435 7667

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2018-09-17
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX I noticed an amount of {$500.00} from my savings account was transferred to another person via Zelle . I didn't authorize nor I know the person this is transferred to. This prompted me to check all my transactions and I did notice that XX/XX/XXXX, an amount of {$900.00} from my checking account this time was transferred again to another person via Zelle that I did not authorize. I never transfer these amounts of money even with someone I know. I have attached my Zelle history and it has always been before {$100.00} transfers. I reported it to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold to PHH in XXXX from XXXX XXXX. I had the forbiddance plan with XXXX XXXX. PHH offered me the forbiddance plan to defer my monthly payments for 3 months due to loss of income. They told me that in XXXX I could call to have the loan modification for the 3 months I deferred. I have been calling PHH since XX/XX/XXXX, have called probably 20 times, spoke to different people and no one can resolve my issue. They promise call backs and miss them and when they call nothing has been done. One promised that they submit the application for loan modification but I called recently that was never done. They also promised me that they sent the papers via email and mail and never did. I am worried that this will affect my credit when its not my fault. The 3 months is due on XX/XX/XXXX and I still have not resolution of what it will be done. This is a horrible company with no structure to handle peoples mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Due to a layoff of employment, I missed some payments on my HELOC. I filled out a hardship application in XXXXXXXX XXXX but was declined as I was on unemployment for my only income and Key Bank stated that they could not use unemployment income. I then gained full time employment in XX/XX/2022. I re-applied for a hardship, and again was declined due to XXXX. This is an interest only payment and the amount that was owed could not have been more than {$1800.00} in total. During my conversation ( XX/XX/2022 ) when I was told it was declined, I asked what was the past due amount in order to be current on my loan, because I may have had enough by that time to bring the loan current. I was told that they could not give me that information because they had sent it to a foreclosure attorney already. 

My 2 biggest issues is that I was not given the option to pay it in full at the time it was expressed to me that my hardship application was declined, and secondly, it was sent to a foreclosure attorney before I was even given the opportunity to appeal it. This is true for both the dates and also I had not received the appeal paperwork before it was sent to the foreclosure attorney. 

I believe these motions were not necessary and unfair. This was not a large amount of money that I was behind on and believe I was not given fair options to resolve it before sending it to a foreclosure attorney which will also cause me to incur additional financial hardships due to legal fees and additional bank fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}

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 2023-02-24
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-08
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting phone calls to my cell phone at XXXX XXXX ( in some cases straight to voicemail ) from supposedly TitleMax at XXXX XXXX saying I ( they think I am a guy named XXXX ) need to resolve it now or they would take legal action. Every time I call them I am told my number will be removed, usually after an interrogation ( I give no personal info beyond my clearly not XXXX gender and my name plus the fact that I have zero loans with anyone ). They clearly do not remove my number. I am only person in household, am not XXXX, don't know XXXX, have no mortgage, have no car loans, -- my only debt is credit card and store neither of which I believe TitleMax handles even if I were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Incorrectly received delinquent account report affecting my credit. I paid {$140.00} on XX/XX/XXXX and it was due XX/XX/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 2023-02-26
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of XXXX. I preface this to say the company Torres Credit Services , Inc has been illegally reporting an alleged debt on my credit profile without an XXXX  Collection Agency License. The day this company started attempting to collect was XX/XX/2022 and the amount of the alleged debt is XXXX . I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
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

n accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy. 15 U. S. C-section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c a,5 Section states : no consumer reporting agency may make in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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