BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: PA
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:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a XXXX account that is reflecting negatively on my credit from over 10 years ago and is making it hard for me to get a certified loan. There is problem with the XXXX XXXX item as well. I got the car for my ex wife ( she was my wife at the time ), it was in my name. When we got divorced I left the car to her and she said she would continue making payments on the car. She was not able to get it refinanced into her name, nor was she able to make a payment for three months. XXXX  XXXX contacted me in order to pick up the car for repossession. I picked up the car had it refinanced into my name and since have paid off the car. Those three months that the payments wasnt paid for I was unaware of. She didnt attempt to reach me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was looking at my statement & I noticed that on XX/XX/XXXX there were 31 withdrawals from my savings account, 28 in {$100.00} withdrawals and 2 in {$80.00} & 1 in {$40.00} and on XXXX there were 30 withdrawals of {$100.00} from my savings account. I called the Chase number on the back of my debit card and told them I hadn't done the withdrawals and they were unauthorized. 
I realized then that a call I received on XX/XX/XXXX must have been a fraud call. I received a call from a person saying they were with Chase bank, they stated there was a charge on my card in XXXX, GA and wanted to know if it was a legit charge, I told them no and they stated they needed to verify the card to cancel it and send me a new one and they asked for the last four numbers of the card which I gave to them. They said a new card would be mailed out and I should get it in a few days. I said Ok and hung up. 
When I talked to Chase rep on the XXXX  they said they would look into it and let me know in 4 -6 business days. I waited till XX/XX/XXXX and noticed that on XX/XX/XXXX they had reimbursed me {$3000.00} for the XX/XX/XXXX withdrawals. I called them and asked why I hadn't received the {$3000.00} for the XX/XX/XXXX withdrawals and the 1st rep couldn't answer it so she said she would escalate it and send me to a supervisor. The person I talked to stated that the 1st part had been approved and she checked and said the 2nd part had just been approved and should be in my account in the next day or two. 
On about XXXX the {$3000.00} was put into my account, then on about XX/XX/XXXX I noticed that the 1st deposit of {$3200.00} had been removed from my account. I called them immediately and they then told me that the 1st approval was only a temp and that they had rejected the claim and took back the funds. I argued that they had told me it was approved but they wouldn't change. I immediately went and withdrew all the rest of my funds, and I closed all my accounts on XX/XX/XXXX. 
I contend that 1. ) The transactions were never authorized 2. ) I was told by Chase management that the funds were approved, and I would be refunded, they did refund then they backed out of their agreement 3. ) Their fraud department should have noticed the unusual withdrawals and notified me before approving them all.

I moved my accounts to make sure they did not take the 2nd {$3000.00} but I want the {$3200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX  and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The Email I sent to their Senior Manger was " I am one of your clients that has just experienced a ruinous phone conversation this morning with one of your managers. Around XXXX hrs of today, I called to speak to XXXX of your staff members about my account in hopes of assistance with my payment thats scheduled for tomorrow. Ive been having complications with my payments for the past three months and was seeking further assistance when I spoke to your Manager XXXX. I was understanding, and respected him informing me of my account 's situation and was completely respectful the entire time ( recording would show ) However XXXX was not! 

XXXX was displaying an aggressive tone while talking to me making me feel attacked about a personal situation. His talking in a coercion manner and cutting me off was him displaying His professional representation of your company. He continuously tried to belittle me and talk to me as if I was ignorant or a juvenile was out of line. 

XXXX XXXX XXXX I hope you are willing to investigate this interaction me and XXXX had and there will be some consequences on his behavior. Please check the recording for yourself and notice how XXXX was talking to me and was representing your company at that time. '

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 2023-09-30
Company: Brown and Joseph, Ltd
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received communication from my XX/XX/XXXXXXXX insurance that they overpaid me when I had a 'return to work ' established. 

The complaint is that I had numerous attempts to contact XXXX XXXX when my return to work date was approaching. 
I left voice mails/sent emails on numerous occasions with the date of my return to work. 

I had no return call or email that notified me they received this information I submitted. 

When I returned tor work XXXX XXXX, I received a letter from XXXX XXXX that they overpaid me by {$980.00}. 

I have to admit I did not respond until this past week as our family had a traumatic incident and almost lost my husband. I did respond just this past week ( Called XXXX and spoke with " XXXX '' who stated that I have a case worker " XXXX XXXX '' who will be reaching out to me ASAP. I explained email is my best contact ( XXXX ). I would like to try to set up some type of payment plan as paying {$980.00} at one time is quite a bit and would like to try to try to set up some type of payment arrangements. 
I have not heard back from " XXXX XXXX '' at XXXX XXXX as of yet. I do not want this balance to go into collections as this issue could have been resolved earlier if I would have had better communication with XXXX XXXX when I tried NUMEROUS times to give them my 'back to work date ' and no communication back to me that they even received all of my messages. 
If there is any assistance you can provide or send me in the right direction, I would greatly appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: Assured Financial Partners
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Got a call on XX/XX/XXXX from a third party asking me to contact XXXX XXXX out of CA and ro provide a case #. I am told by XXXX XXXX that I have an lawsuit that is in prelit in regards to an a debt with XXXX XXXX from XXXX. That they have been sending me letters about this.I was told I could settle the claim at that time and if i did not pay that then they would take me to court and I will owe more then {$5000.00} including attorney 's fees and expenses. I have never received any letters from XXXX XXXX or XXXX XXXX about any money owed. I asked the company to provide me with statements or an account number to prove that I owed this money. The rep told me that they did not have to. That and document 's that they had would be provided to me in court. If i did not pay something like {$1200.00} at that time, they could sue me. I would not be able to negotiate and could garnish my income and or tax return. I kept asking for proof. She then asked me for my email address and that she would send me a letter about it. I gave it to her only wanting further information, thinking this was just a scam. Never did i agree to any of the claims. I called XXXX XXXX Recovery Dept and they do not have any accounts in my name. Current or past. The rep at XXXX XXXX told me to insist on the company provide me with proof of this debt. Even an account number and give it to XXXX XXXX to research. I do not owe this money. Nothing has ever showed on my credit report of any money owed to XXXX XXXX  or any other company. I have made major purchases and this would have showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my second 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 items 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 items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
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:
This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX 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