BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I informed XXXX, Experian and XXXX XXXX of my address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.

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 2019-04-03
Company: Bristlecone, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got this loan for XXXX I made a couple payments on it before I ended up out of work due to medical reasons. I called to explain this the loan was actually a lease on a puppy. When I spoke to them the lady said if I could care for the puppy I should be able to pay my loan. The loan eventually was put into collection and now is totally XXXX. This is outrageous is there any thing we can do. I feel as if I have been taking advantage.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX PXXXX 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 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 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 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX went to my Bank of America in XXXX XXXX AZ ..I put {$1000.00} cash to go to principal pymt on mortgage. It was not applied. Saw XXXX XXXX to resolve issue.. did not get resolved called 800 # customer service. Assured me it would be corrected. Not! XXXX called again case # XXXX. Still not resolved. Went to bank in XXXX because our bank was closed indefinitely because of Covd19 at Bank of America therefor 3 hours with XXXX XXXX case # XXXX still not resolved. 10-23 received email & packet in the mail of foreclosure because of lack of payment. I have auto pay and payments have been taken out every month. I pay bi/weekly. So payments are taken out twice a month the XXXX & XXXX. Called customer service again on hold again for 2 hours! Assured me it would b taken care of. Icon on my statement states Payments are late but they keep taken them out of my checking. 
Current mortgage balance status : XXXX XXXX XXXX My new due date is XXXX or XXXX. 2 due dates. I have 3 pages of notes receipts ect Please help!! 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I noticed a hard inquiry by Capital one on XX/XX/XXXX on my XXXX  credit report. I did not apply for any bank loans/credit cards. I called Capital One XXXX on XX/XX/XXXX XXXX directly to let them know and to find out who gave permission for this inquiry. Capital One was unwilling to provide any information. I was directed to write a letter explaining what I already explained by phone. I explained that because I did not do this inquiry that it means there must have been a sign of attempted identity theft. Capital One stated that they could not provide me with any information about the inquiry of XX/XX/XXXX. I then contacted XXXX, whom directed me to call Capital One and request a letter of deletion and an authorization letter. I explained that I called Capital One already and they did not provide me with any information and I was told that I did not appear on their records as someone who applied for Capital One credit card. Thus, calling them to ask for these items would be futile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors

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 2021-05-10
Company: Experian Information Solutions Inc.
State: NH
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 already reached out to the EXPERIAN and to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' and physical firsthand documentation of the payment history but as of the moment no information received. 

I contacted my courthouse and I was told that they do not report ANY legal items to ANY credit bureau directly. Which means someone else gave this information and I want to know whom it was. 

I had also requested the actual proof but I did not receive what I asked and these violations persist on my credit report.

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 2023-06-27
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2023-06-27
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$640.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )

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 2020-11-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed when trying to buy a dog. Using the XXXX method through chase bank {$850.00} totally was incorrectly sent. I am trying to figure out how to get this fixed but I have a contract from the seller and no product for the service that was bought. Please provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank has my checking account listed as having an available balance of {$0.00} even though several XXXX dollars are present in the account. They've indicated that a software glitch is causing this problem - it's been greater than 24 hours since my first complaint about this issue and funds are still unavailable for usage or withdrawal. I've been receiving overdraft notices for withdraws that have available funds to cover the transactions. 

I would like the CFPB to assist in this matter as it's quite frightening to have thousands of dollars disappear with no status updates and what seems to be a lack of concern from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Receivables Performance Management, LLC
State: MS
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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2023-03-20
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}

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 2022-09-17
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error. 
In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have filed multiple complaints with customer service, including one through CFPB, but received the same response each time. It seems to be my word against Synchrony Home Company. I missed a promotional period for 0 % interest because I never received any E-statements via email, despite their insistence that they were sent. Even though I'm enrolled to receive electronic statements, I haven't received a single one, and I can't view them on the web portal. I provided print screenshots as evidence, but they disregarded it. I also didn't receive a statement in the mail because, as expected, I'm enrolled for e-statements. After missing the promotional deadline, I requested copies by mail, and they sent them. However, my claim was denied, stating they investigated and found statements were sent to my email. I checked all folders, but nothing. Three months later, the issue persistsI can't see my statements on the portal, and I'm not receiving them. Recently, customer service acknowledged the problem, admitting they didn't send the e-statement or sent it late. It appears the company deliberately avoids sending statements, leading to additional payments due to their mistakes. I caution others to stay away from this company, as it seems they may intentionally withhold statements to prevent customers from tracking payments, resulting in higher interest and fees.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: MN
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:
Experian and XXXX both responded with verified without providing verification information. Contacted them both via Certified mail on XX/XX/2022. The tracking number is XXXX and XXXX. 

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. 

XXXXXXXX XXXX XXXX XXXXXXXX {$5200.00}, XXXX XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} 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 explanation