BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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: Credit inquiries on your report that you don't recognize

Complaint:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. 

Jefferson Capital Systems # XXXX This item is inaccurate and I am requesting that XXXX have the item removed my credit report immediately. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my current mortgage is with PHH mortgage XXXX ( Loan # XXXX ) service by XXXX for my home at XXXX XXXX XXXX XXXX XXXX, FL XXXX I made a payment of {$2000.00} on XXXX2023, the amount due was {$920.00} with the excess of {$1000.00} to be applied to principal balance ( prior to this, any additional amount from the monthly due was applied to the principal with no issues ). On this instance, the excess amount was applied to the payment for the month of XXXX in the amount of {$920.00} and the remainder of {$140.00} going to the principal. I contacted them on XXXX occasion ( XXXX-23, XXXX-23 and XXXX-23 ) to rectify the issue and clarify the policy which indicate that any extra payment after the due amount will be applied to the principal balance, they confirmed the policy and indicated that the issue should be resolved within XXXX business days, XXXX-23 the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled up my credit report & it shows an incorrect address where I am living and they opened an AMEX card on XXXX. My address was changed on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank is crazy has nothing better to do than be bothering me I was declined initially for my freedom card their executive office got the account opened with lending since my credit was not established enough but it got approved then I get notice after they mailed me my card how is this fair what their doing is illegal I started using my account ans they mail me letter closing my account for the same reason as they insitallt declined my application telling me my credit history is too short when I have a paid auto loan and this is why I got approved their crazy they closed my card for the same reason they didnt want to approve me for credir reasons and its not negative my credit history is too short for them when I contacted lending they told me they want to reinstate my card but havent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to XXXX XXXX XXXX ( car payment company for the old vehicle ). 
A few months later, I receive a bill from Westlake Financial stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called XXXX XXXX XXXX and told them that I traded this car in and that I do not own this debt. 
XXXX XXXX XXXX told me that they were aware of the situation. Westlake Financial was now affiliated with XXXX XXXX. I asked the representative why I didn't receive any information about the new affiliation. XXXX XXXX XXXX stated that the payment from the dealership was sent to them when it should have been sent to Westlake. 
The representative also stated that they were working on solving the issue and that Westlake Financial should have received the payment from the original dealership. 
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe Westlake Financial for the auto installment loan. I call Westlake Financial several times to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day. 
I was also told that XXXX XXXX and Westlake Financial have been in contact with each other about solving the issue with the debt. 
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from Westlake Financial. 
On XX/XX/XXXX, I receive a Release of Interest Letter from Westlake Portfolio Management with my Installment Sales Contract stamped PAID. 
Now, I am left with a false credit report on my credit from Westlake Financial with proof that they receive payment from XXXX XXXX XXXX. I am currently working on building my credit back up. It has dropped XXXX points since the false report from Westlake.

Westlake Financial had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit 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 explanation
Consumer complaint received 2022-05-03
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a new home in XX/XX/XXXX moving to a new state ( SC ). Property taxes were determined at a high non-resident rate ( 6 % ) or ~ {$4200.00}. Application submitted and approved XXXX XXXX shortly after for resident status and a much lower resident tax rate ( 4 % ) or ~ {$1800.00}. Request submitted to XXXX for a change in property taxes being escrowed in XX/XX/XXXX. They are escrowing ~ {$350.00} per month in taxes when it should be ~ {$150.00} and we are owed a refund for all the months since XX/XX/XXXX that we have overpaid. It is now XX/XX/XXXX and no resolution has been made. I have called XXXX a dozen times with all sorts of assurances this would be completed. Each time I called they said it is going to be another XXXX days for a response. They keep opening and closing work orders for this request with no update to provide when I call on. It is now XXXX  months later after a XXXX phone calls, emails, chats on their website, and patiently waiting. The latest work order was supposed to be completed on XXXX, now another work order is open for a XXXX completion date. XXXX has dropped the ball repeatedly over these XXXX months. A resolution is needed ASAP. Can we change loan servicers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was going to start a cell phone plan with XXXX ( XXXX ) then they tried to say I wanted home internet when I didnt and never even sent me the SIM card that I actually did want. Since thing started out badly I decided to go with another provider. Now they want XXXX $ even though I never even had service with them. The debt is now with Afni for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was robbed and they used my cards they also have my identity and social and dob so I want to alert people if they try to take out any loans or use more money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND ( DUE TO COVID XXXX ) TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
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 am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( XXXX, XXXX, TransUnion ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( XXXX, XXXX, TransUnion ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All XXXX CRA 's ( XXXX, XXXX, TransUnion are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.

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 2023-02-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/22, I opened a checking account at U.S. Bank. For the first couple of months, my maintenance fee was waived in accordance with my account agreement ; however, on XX/XX/22, I was charged a maintenance fee that was not waived, but received no notification. U.S. Bank continued to charge me a maintenance fee despite never notifying me that it would no longer be waived. In total, the fees amounted to {$76.00} over the past year.

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 2022-05-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX and XX/XX/XXXX I was charged two different amounts to two different companies in which I did not authorize. 

XX/XX/2021 PURCHASE XXXX XXXX XXXX XXXX # XXXX / XXXX, XXXX - Cleared - {$95.00} XX/XX/2021 PENDING PURCHASE CS *XXXX XXXX XXXX / XXXX, XXXX - Pending - {$12.00} I called the XXXX to dispute these charges or cancel them. I could not do either -they stated I had to wait 7to10 business days. 
I am not happy that I can not get the money because my card was compromised, and I can not even dispute the charges until 7-10 business days later. THEN to add to this disaster XXXX charged me {$4.00} for a replacement card for something that was NOT EVEN my fault I have called XXXX and requested they send me the paperwork to just get a paper check in the mail from now on because it is way to hard to stay on hold then wait to dispute something and not have access to your money when it is needed. 
I thought Mastercard backed their product better

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I just got my credit on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They MUST be legally blind because everything is inconsistent.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'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 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 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The Capital One XXXX account XXXX should not be reporting on personal credit. Original agreement made through business I did not personally guarantee. Requested Original Loan application via credit dispute I have not received anything as a result must be removed from personal credit and properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2023-10-17
Company: DriveTime
State: SC
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, XXXX FORMLY KNOWN AS DRIVETIME ACCOUNT, 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.SC CODE 1681 A- DEFINITIONS ; RULES OF CONSTRUCTIONS- EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ; 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN PLAN AS LATE FOR AND PURPOSE. 

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.

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