BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to apply for refinancing of my car in XXXX and I was rejected. They told me the main reason I was rejected was because of " Derogatory public record or collection file '' and " Length of time since derogatory public record or collection is too short ''. The person helping me told me it was a court from XXXX 2016 and it looked like I had lost a settlement. I knew I had nothing of the sort because I had n't been in court for anything like that ever.They got this information from Equifax Credit Report. When I requested my annual report from them, I saw in the " Public Records '' the judgment. It clearly states a different name than mine, and I have no affiliation whatsoever to this case except that it was my father 's who does not have the same name as myself. It is CLEARLY a completely different person. I was in no way, shape or form involved in this case. I am completely independent from my parents and there is NO REASON for them to attach this issue to me. I can not stand for this incompetence affecting me in my financial AND personal life. This needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-21
Company: SUN LOAN COMPANY 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I recieved an income execution letter from attorneys of XXXX XXXX XXXX XXXX, about a debt from XX/XX/2008 for XXXX XXXX interest, I firmly believe this is not my debt and that this is a case of 'debt tagging ' because of my common name. I immediately sent a cease and desist letter to all parties involved via certified mail with return receipts only to recieve an email from my employer stating they recieved said income execution letter to instruct my employer to garnish my paycheck. This is XXXX and I stress again that this is not my debt. Can you please assist me? This has distressed me greatly. I don't know what to do.

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 2023-06-30
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: Information belongs to someone else

Complaint:
I have sent numerous dispute letters to Equifax regarding a XXXX credit card account reporting on my credit profile. I sent a certified letter requesting Equifax 's method of verifying and investigating the account with no response. Disputes are opened and then closed within a few days with no explanations. I spoke to a representative and a supervisor from Equifax and they stated a thorough investigation was not conducted except sending the letter through XXXX The information that was returned was an address associated with the account that I am unfamiliar with and have never resided at along with other information that did not match my credit file nor belong to me. I immediately filed an FTC report for fraud once I learned of the information and filed another dispute with Equifax. This account STILL remains on my credit profile when it should have been deleted. Equifax failed to conduct a proper and thorough investigation as requested for this account. This has continued to have negative effects on my credit profile from their negligence in looking into the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
Beginning in XXXX of 2022 I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie Experian, XXXX and XXXX. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.

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 2023-08-17
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXXN ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: VA
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 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 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 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX this Quality Recovery services reached out on behalf of XXXX at XXXXXXXX XXXX that I had a balance of XXXX. The date open is not correct, date last active is not correct on XXXX credit reports, date of last payment is not correct on XXXX credit Report. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Im ready to buy a home for my children. Im a XXXX XXXX and this collection with false statements are holding me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
MY NAME IS XXXX XXXX MY WIFE XXXX XXXX IS A TARGET CREDIT CARD HOLDER WHEN MY WIFE OPENED THIS ACCOUNT IN 2001 SHE PUT ME DOWN AS A REFERENCE AND TARGET PUT ME DOWN AS A CARD HOLDER WHICH IS PUTTING AN IMPACT ON MY CREDIT REPORT. I ASKED MY WIFE TO REMOVE ME FROM THE ACCOUNT AND SHE WAS TOLD THAT IF SHE REMOVED ME THEY WOULD HAVE TO CLOSE THE ACCOUNT WHICH WILL HAVE A NEGATIVE IMPACT ON HER CREDIT. I WAS CURIOUS AND CALLED THEM. I TOLD THEM COULD MY WIFE ADD ADDITIONAL CARD HOLDERS THEY SAID CERTAINLY!! WITHOUT CLOSING ACCT? THEY SAID YES SO I ASKED THEM. LET ME GET THIS RIGHT SO ITS OKAY TO ADD BUT NOT DELETE CARDHOLDERS!! THAT A CONFLICT OF INTEREST. THEY LOVE YOU WHEN YOU HAVE PLENTY OF CARDHOLDERS BUT WHEN TAKE THEM OFF THEY PUNISH YOU BY FORCING YOU TO CLOSE YOUR ACCT AND PUT A NEGATIVE IMPACT ON CREDIT SCORE. I CALL XXXX XXXX, XXXX, XXXX XXXX, XXXX. ETC, NO PROBLEM DELETING CARD HOLDERS AND LEAVING ACCT ACTIVE. I ASKED TARGET IF THIS RULE WAS IN THEIR TERMS AND CONDITIONS AND SUPERVISOR WAS UNABLE TO FIND IT. TARGET NEEDS TO BE INVESTIGATED FOR THEIR CONFLICT OF INTEREST AND UNFAIR PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I made a deposit in to my account and chase said that the issuer has to verify check which they did and now they are holding my money for 3 months already and they wouldnt even give it back to the issuer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 


This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 


I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my business green cards, where the system didn't recognize the charges hence the credits didnt post I had numerous conversation 's withthe American Express online Technical Department, namely XXXX and XXXX, and a case was opened with the Amex offers team to rectify the error. 



I received a response confirming that " all '' the cards were in fact eligible for the credit, and If said credits didnt post within 90 days they would manually process the credits. 



Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 



If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer In question. The fact that all the cards were initially credited, clearly indicated you concur with the above noted contention. 



The charge backs are dubious and we request they be reversed, anything less that would not fall under the umbrella of fair and honest business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2022-02-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with the CFPB regarding my insurance being paid to the wrong company and my insurance potentially being cancelled. Today I received word from my insurance company that they have not received payment and my insurance has been cancelled. I escrowed my payment to Cardinal and they were responsible for paying this bill. I requested the ability to pay it myself and was denied because allegedly my loan balance is not less than 89 % of the value, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, XXXX, EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX, EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional 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 inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Ogden Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XX/XX/2019 and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX  and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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