BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an RV loan with Bank of the West, which was recently acquired by BMO. As part of the acquisition, communications were sent to customers that stated that automatic ACH withdrawals for loan payments will need to be set up again on the new BMO portal. 

After I followed these instructions, Bank of the West / BMO withdrew two monthly payments several days apart - one as part of the new automatic transfer that I set up following their instructions, and one as part of the existing authorization that remained effective, unbeknownst to me.

I contacted BMO who stated that they would refund one of the payments by mailing me a check. It has now been almost a month and I haven't received the refund, and my loan still shows the same balance on the web portal. 

The incorrect instructions remain posted on their website.

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 monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2018-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
These 35 inquiries I have disputed more than 5 times and yet they remain. I did not authorize, Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Manager Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX  XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies

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 2018-10-11
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased this car and have been making payments. I was surprised in the first place to even get it due to my credit situation. But I needed a car after being in 2 car accidents in less than a yr last yr. I have been making payments, some in full, some half and even would try and do 2-3 months. Lately I have been phone calls all day and just about every 2-3 days from different agents even though I had spoken to someone prior to the new calls. The last rep told me that one of my payments that I had made back in XXXX was sent, then returned. Which I was never informed of it nor received it back in my account. I called my bank and they pulled up my payment history and saw where I had made the payment and that it was deposited on their end. XXXX still tried to tell me that when I made the payment, there might not have been enough funds in my account to make the payment. I've tried to explain to them that I use a prepaid debit card and can only spend what is in my account. So if the funds wasn't there, it wouldn't have gone through. They are still trying to tell me that the payment wasn't made, when I got the last call before making this complaint, I had asked to speak to a supervisor, they found one that was available, I was placed on hold and was on hold for over 10mins before I hung up since no one came back to the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

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 2023-09-25
Company: PNC Bank N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
PNC makes it purposefully difficult to set up and auto pay regiment, cant make a payment on a credit card online or mobile app and refuse to waive ridiculous {$27.00} late fee.. almost as if it is all by design just to collect late fees. Called and tried to make my minimum payment but they refuse to remove their ridiculous late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Affirm 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
About XXXX  months ago I received a credit alert from XXXX that I was delinquent on an account from Affirm Inc. which dropped my credit score significantly.I filed a dispute with XXXX because Ive never even heard of Affirm Inc and have never done business with Affirm Inc.I then filed a fraud alert because I was afraid someone had used my identity to open this account. 
I also called Affirm Inc twice and they said they could not find an account with my name or other info and would not allow me to talk to anyone in their fraud department telling me that customer service was the only point of contact for Affirm Inc and that they would take a report and send it to their fraud department and i would recieve an email in XXXX days. Its been over a month and ive heard nothing from them. Yet as you can see on the attached document Affirm Inc says their reporting is accurate, but tell me when i call them, that they cant find an account under my name. 
Affirm Inc is not my account. Someone has used my info to open this account and a simple investigation would reveal that. Affirm has nowhere or no one to talk to to dispute the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer responds.

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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one keeps reporting an account to all credit reporting agencies as mine. Ive contacted capital one numerous times and advices that account is not mine and Im a victim of identity theft. Ive provided capital one with police report however they are keep reporting and not removing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: TX
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:
These inquiries below I didnt authorize. More than 35 of them were deleted in XXXX and was readded. i have attached proof. 


Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous XXXX   Agencies XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Innovative XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was fraudulently used for 3 transactions. After filing a dispute with capital one they made me repay the money and terminated my account. When speaking to a representative they told me the fraud happened because I didnt lock my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a balance transfer promotion on a Chase Amazon credit card. I receive 0 % interest on the balance transfer. The promotion expires on XXXX XXXX XXXX On XXXX XXXX  I paid {$350.00} to Chase as my regular payment. On XXXX XXXX, I paid an addition {$1000.00}, which according to the law, should have been credited toward my promotional balance, since it is within the two billing cycles preceding the expiration of the promotional balance. Instead Chase credited the payment to higher interest purchases, as they usually do, and did not take the {$1000.00} off the promotional balance. I phoned Chase to explain that according to the law, they should have credited the {$1000.00} to my promotional balance. I asked why this did not happen. The customer service rep, transferred me to a supervisor. The supervisor stated that credit card payments in excess of the minimum due, are automatically credited to the higher interest balances. She stated that Chase does not have a way to credit excess payments to a promotional balance. Since there is no way to pay off a promotional balance, this is obviously a way to stick customers with all the piled up interest at the end of the promotion. I want my {$1000.00} credited to my promotional balance as it should have been on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation