BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: MD
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 writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
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:
I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Account status incorrect

Complaint:
I sent in a Letter to Equifax 31 days ago disputing information on my credit report. Which has caused me not the ability to refi my home. that all the inquires were not me and to provide me documentation that i signed for these inquires to happen. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX also reached out to this collection company stating i had a cox communication account which i never have. and to provide me documentation that i did signed a agreement with the company. I also was never notified 30days prior to this going on my credit report per the Credit reporting act. 

Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$65.00} Amount {$65.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX I need the items Removed if there is no proof that can be generated with my wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For about 5 years, I banked with Chase through the use of a college checking account. Under this account, I was able to overdraft my account without an overdraft charge as long as I deposited the amount I overused that day by XXXX XXXX. 

This was something I regularly did and avoided being charge as I made sure the money I overspent was in the account by XXXX XXXX  that very same day. I did this for years until my senior year ( XX/XX/XXXX-XX/XX/XXXX) when I began to notice that I was being held responsible for the overdraft fees even though I was honoring the XXXX XXXX ( PST ) deadline as I live in California. 

Whenever I would I try to inquiry why I was receiving these charges I was told that the money was not in the account by the appropriate deadline and was held responsible numerous times for the {$34.00} overdraft fee per transaction. 

Repeatedly, I would attempt to connect with someone who could identify why this was going on but chase would never provided me with further information. It was not until months later, that a supervisor I spoke with was able to identify that the system had changed my time zone from PST to EST. Which is why I was being held accountable for the overdraft fees even though I was honoring the terms of my college checking account. 

Chase refused to refund me the overdraft fees I paid for as this was taking place asides from the ones that had taken place the date the discrepancy was identified. 

I closed my account with Chase in early XX/XX/XXXX due to them constantly taking advantage of me. 

Just this XX/XX/XXXX, I received a check from Chase for {$100.00}. The letter the check came in vaguely explained that I was being refunded for being overcharged. When I called Chase to understand the exact terms of the refund they refused to provide me further information as I do not have an account with them. 

I am reaching out as I suspect that Chase owes me more than {$100.00} for being overcharged while banking with them and would like to attain more information regarding my concerns with the overdraft fees I paid for during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Syncrony Bank offers insurance on the balance of your credit card in case of disability or  death the account would be paid in full. 
I filed such a claim and still after Ive sent them my XXXX information and the notes from my XXXX XXXX which has XXXX me it was never enough they wanted me to have the doctor who admitted me to the hospital only that was a long time ago. They have added late fees, interest on top of my credit line and now my credit is ruined. 
They now say I didnt have that coverage but I have my statements that prove I did until the day I filed the claim then they removed it. 
My credit is everything and I dont see why they are allowed to charge someone for something and when they try to use it they say months later they dont have it.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: IA
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:
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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, DE XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2022-01-31
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender provided me with a Loan Estimate on XX/XX/28 and refused to honor the rate on the Loan Estimate when I asked them to lock it just XXXX minutes after receiving. The manager in the email chain indicated the Loan Estimate didn't have today 's rate on it, even though it was dated that day. They should be disclosing accurate information with the correct rates if that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: NV
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 not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX ** 2021 I purchased a new car through Kia finance, for {$54000.00}. All consumer credit transactions are to be in accordance to 15 USC 1605 Determination of a finance charge ( a ) ( b ) ( 1 ). The documentary evidence shows at least 3 violations that would automatically void my consumer credit transaction pursuant 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) Civil Liability which clearly states ANY creditor who fails to comply with any requirements under this chapter ; in the case of an individual action twice the amount of ANY finance charge Violation # 1. Kia took a down payment of {$2000.00}, the finance charge dont include charges of a type payable in a comparable cash transaction. No cash is needed in a consumer credit transaction.

Violation # 2 Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determine as the sum of all charges Documentary evidence will show monthly payments and again a down payment. The finance charge is the SUM of all charges and there is to be no cash in a consumer credit transaction.

Violation # 3 ( b ) ( 1 ) ) Charges or premiums for credit life, accident, or health insurance in connection with any consumer credit transaction SHALL be included in the finance charge ; the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying or obtaining the extension of credit I was told I had to have my own insurance up on credit approval to complete the consumer transaction, And i was never shown a disclosure regarding insurance in accordance to finance charge.

Violation # 4 Because my car is being used a security interest Kia Finance was obligated to notify me of my right to rescission pursuant 15 USC 1635 Right to rescission as to a certain transaction.. the documentary evidence will show I wasnt notified of my right.

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 2021-04-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several times I have submitted proof of bank statements that the account was paid with debit card. I continue to receive phone calls and when I log into my account it continues to show delinquent. I call QVC and we go through the same process again and again. This problem has been going on for several months already and it is affecting my credit score. They seem not to care.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 2021-04-23
Company: American First Finance, Inc.
State: WI
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:
Per FCRA 623 ( a ) American First Fiancial is in violation of the FCRA. The company is under obligation to only report accurate and updated information. Sending a consumer a copy of contract does not excuse the company for said violation. My account with them has been satisfied in full via Chapter XXXX Bankruptcy. The company has received copy of discharge paperwork and has blatantly refused to update the account to credit bureaus accordingly. Per 15 U.S. Code 1681s-2 Information can not be reported incorrectly. Since the account and the debt associated with it has been satisfied via Chapter XXXX Bankruptcy, the company is knowingly in breach. They are obligated by law to either delete this account and/or update to state " closed or satisfied '' verses " derogatory '' and to delete the payment history, as well as balance. American First Financial 's continual refusal to comply with the laws will allow me to seak punitive damages should they continue to violate the FCRA by knowingly providing inaccurate information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Aqua Finance, 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 have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
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: Information belongs to someone else

Complaint:
This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent Transunion, XXXX  and XXXX  letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

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 2023-07-19
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:
XXXX & XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my 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 non-monetary relief