BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: CORELOGIC INC
State: MO
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:
Credit inquire does not belong to 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
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MA
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:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX XXXX engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-08-10
Company: WELLS FARGO & COMPANY
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Transunion a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Not sure if anything before this is right. I got a XXXX  preferred card from citi with an offer to transfer an interest loan to a no interest card for 20 months i knew doing this would lower my credit scores but it would bounce back in a couple months. That is when things went wrong I did the transfer in XX/XX/2020 and in XX/XX/XXXX they seen my score dropped so they lowered my limits on my double cash card from XXXX to XXXX causing that card to be maxed out then in XXXX they lowered my XXXX card from XXXX to XXXX so that was maxed out as well driven my score way down i have no missed or late payments on any of my accounts and did this transfer to free up more funds to pay them down faster now I pay more than what they ask almost 3 times the amount to make sure it's paid before the twenty months is up i have called them 3 to 4 times this month and can not get them to stop lowering my limits or to put my limits back to where they were. by them lower my limits I have lost about 40 points on my credit score.

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 2023-10-22
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I sent someone I met through XXXX XXXX $ for a XXXX through cashapp. They did not send the XXXX and ended up blocking on me on XXXX after I sent the money. I reported cashapp through the app, spoke to multiple people, and they said that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that derogatory account XXXX XXXX did not belong to me and was subsequently removed from my credit profile. This account was reported as fraudulent in XXXX. It remained on my credit profile and disadvantaged me for three years.

This bureau determined that the credit account CAPITAL ONE belongs to me and was validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that this account has not been verified ( and therefore was removed ) by other bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet has not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 

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 2020-03-23
Company: Applied Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX XXXX XXXX XXXX and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX XXXX XXXX XXXX department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX  XXXX XXXX XXXX and State of Florida XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: 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 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 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 2023-04-05
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 requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I 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.

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 2023-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unable to obtain all three of my credit bureaus due to Equifax not reporting my name properly. I have contacted them several times. My name should appear on my credit report as XXXX XXXX. It is reading XXXX XXXX XXXX which us causing an error message in correspondence retrieving my credit report. I have not been able to obtain my Equifax credit report for an entire year via XXXX. I was told that Equifax information was incorrect. I have updated my address. They will not correct my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX, formerly XXXX XXXX XXXX, has my loan. I asked, back in XXXX ( well, to be honest, I had previously asked the former owner/servicer of the loan, Guaranteed Rate, before XXXX, but XXXX XXXX XXXX got my loan after that, so I had to start all over ) to do a loan assumption. They sent me the list of things they needed, and I immediately sent the documents to them, along with a {$400.00} loan assumption fee. They got the paperwork and fee back from me in XXXX. Now, 3 months later, they still have not completed the loan assumption. In fact, they will not even tell me that they are starting the loan assumption. See, the problem is that I can not get them to talk to me at all. I have been given a " single point of contact '', but she almost never answers her phone, she never returns me calls ( I leave her lots of voicemails ), she never replies to my emails. Even her manager is now in on the act. He won't reply to me anymore, nor is he apparently having her reply to me. They are obviously purposefully stalling me and stonewalling me. They can not possibly be this inept. It has to be on purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

-XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto Finance Act : # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a 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 1681a ( 2 ) ( b ) Except as provided in this paragraph the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making reports ; 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 2023-05-19
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase for {$3900.00} on XX/XX/XXXX to XXXX XXXX, which was going bankrupt around the time of my purchase. I was informed in XXXX of XXXX that my purchase : " During XXXX, XXXX XXXX XXXX XXXX became unable to place orders with vendors due to the inability to pay. Production of your order had not been started with the manufacturer. Currently, this order will not be able to be fulfilled. '' In XXXX, I tried filing a dispute with my credit card company, Discover, because we spent the money and will not be receiving the product we ordered. After a month of waiting, I was told we didn't have the correct documentation to approve the dispute in our favor. The Discover employees said I need proof that XXXX XXXX said they would refund me and haven't, but XXXX XXXX has never said that. However, they have taken my money and not provided the product I ordered. There have been numerous people in the same situation who used a different credit card company and were given their money back by the company after their dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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