BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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 wrote a letter to XXXX XXXXXXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies XXXX, XXXX, Equifax and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXXXXXX XXXX responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXXXXXX XXXX  since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, XXXX, XXXX, and Equifax to remove the accounts and was met with lies and was hung up on even though I was nice and polite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act. Capital One Auto Finance XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
BANK OF AMERICA AND SOMEBODY ELSE OPENED UP AN ACCOUNT UNDER MY INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE... .I 'VE BEEN WITH XXXX FOR WELL OVER 20 YEARS AND I NEVER OPENED AN ACCOUNT WITH NO OTHER BANK OR CREDIT UNION SINCE THEN ... .I 'M PROVIDING A PHOTO OF A BANK STATEMENT FROM BANK OF AMERICA SHOWING THE ACCOUNT SUMMARY OF THE FALSIFIED ACCOUNT ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My oldest email dates back to XX/XX/XXXX. I applied for a refinance with my current lender. By XX/XX/XXXX I had all my documents sent in and signed everything requested with XXXX XXXX. I also paid {$350.00} for and appraisal and an appraiser was going to contact me. Case was then sent to XXXX XXXX for processing. I set up appointment for immediately after my vacation ( XXXX ) XX/XX/XXXX. While gone I got an email saying I needed to sign a transfer, which I did on XX/XX/XXXX. On XX/XX/XXXX appraiser canceled appointment saying it was canceled from Freedom Mortgage. I have been sending 2-3 emails a week since then and get no information or replies from XXXX, and minimal from XXXX. On XX/XX/XXXX XXXX said he had my file escalated as requested and an appraisal is now ordered. I emailed again XX/XX/XXXX when I didnt get called by appraiser for new appraisal. I finally called appraiser XX/XX/XXXX and they said they dont have any orders for my property. That leads me to today, I dont have any clue whats going on with my account, and believe I am now being lied to. Not sure about my {$350.00} as it hasnt been refunded or have anyone coming to appraise property. By now Im sure all my paperwork needs resubmission and not sure about my locked rate. I cant get any replies from either of them and have started emailing outside sources.

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 2023-12-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XX/XX/2023 I noticed that my bank cards and both my cell phones were stolen by someone that I know. I was able to get online just before noon to disable transactions on my cards and report my cards stolen. By the time I did that, the thief had made 3 atm withdrawals for {$200.00} ( XXXX ), {$1000.00} ( XXXX ), and {$500.00} ( XXXX ). They also loaded {$25.00} onto their XXXX XXXX at XXXX. All the transactions happened within about a thirty minute window that morning of the XXXX. I filed a police report and tried to dispute the charges that day. Chime said I had to wait for the transactions to move from a pending state to completed. I then disputed the transactions but at the time I didnt notice the initial {$200.00} atm withdrawal they did at XXXX. Chime came back and said there was no error several times. They knew my pin because they likely watched me punch it in at an atm before without me knowing. They even knew my cell phone pin likely the same way. 

Chime said they couldnt add the {$200.00} atm withdrawal to my existing dispute even though it happened during the same incident. So I opened up another dispute for just the {$200.00} Chime came back after my complaint to CFPB about them and credited my account with the {$1000.00}, {$500.00}, {$25.00} But now theyre denying the dispute of the {$200.00} withdrawal. This is absolutely unacceptable. Is someone actually working the disputes. It seems like a canned auto-response. Denial because theyve checked their systems and no errors were found. Seriously come on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: American Coradius International LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this debt on XXXX by mail and it is still currently showing on my credit report fraudulently. XXXX XXXX XXXX was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXXXXXX XXXX not XXXX XXXX XXXX. Also XXXXXXXX XXXX  was in a class action lawsuit as well which is why it was removed previously. I am requesting XXXX XXXX XXXX to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for XXXX XXXX XXXX to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by American Coradius International LLC according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for XXXX XXXX XXXX to release my personal non public information to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Experian says it can not generate a score for my credit without me joining one of their " improve for a fee '' programs. Both of the other two credit reporting agencies show my score as XXXX and XXXX and there is no reason for me to not have score except my unwillingness to pay for 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 2023-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2023-12-12
Company: Experian Information Solutions 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:
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-12
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
from my Zelle number XXXX miss typed An incorrect electronic transfer from my XXXX  XXXX XXXX application via Zelle transfer to Zelle account for XXXX $ to XXXX which was not the receiver correct mail id which was on XX/XX/2024 Zelle account was a email id : XXXX ( XXXX XXXX ) confirmation number : XXXX Scammer identity provider details XXXX mobile number : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: I.C. System, 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: Information belongs to someone else

Complaint:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -I C SYSTEM INC # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MD
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 XXXXXXXX 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, 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 2023-06-17
Company: EQUIFAX, INC.
State: MN
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:
The account is not mine. Separate from that, the account number doesn't match. It's likely due to all of them being fraudulent and I'd like them removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}

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 non-monetary relief
Consumer complaint received 2021-07-19
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:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 this today insisting to delete the following unauthorized information on my file. With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. These inquiries and collections are fraudulent. I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) -THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA Cc : CFPB 1700 G st NW, Washington , DC 20552 FTC XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Attn General XXXX Floor, XXXX XXXX, XXXX, pa 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX  Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with Acceptance Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines Trans union XXXX XXXX and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!

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