BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A Clearly states that's I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer agency can not furnish an account without my written permissions.

15 U.S.C 16666B A Creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several of laws under the Fair Credit Reporting 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 explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NJ
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:
There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed   XXXX   XXXX  . He left me a home as transfer upon death dead. The home was legally recorded in my name   XXXX   XXXX  . The home has mortgage with  Chase mortgage.  I kept mortgage up since my father passed until last year I fell behind because of loan with no escrow to pay property taxes. The property taxes got behind and I was forced to put in payment plan to pay past due taxes and current. I tried to talk to chase to see if I could n't modify loan but all the sudden chase mortgage wo n't talk to me REGARDING my  dad 's  note to house I now own. When i was current they did but now they wo n't. Please help so I can fix this problem. There is equity in home. I could repay if terms were different or buy loan in my name whatever it just do n't make since to foreclose on willing and able heir of home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Harley Davidson Financial Services Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX Complaint ID XXXX, Regulatory Compliance Manager from XXXX responded XXXX this complaint and stated " an update to reflect a zero balance deficiency would be report to all three major credit reporting agencies ; XXXX, XXXX and XXXX. '' I notified Harley Davidson by XXXX XX/XX/XXXX and informed the service representative that HDF is not reporting the correct information related to my XXXX credit report and that I had documentation from the Regulatory Compliance Manager that stated a zero balance was to be reported. To date HDF and XXXXXXXX XXXX continue to provide inaccurate information to XXXX. This is intentional as XXXX is the major bureau auto financing is relied upon. As a matter of fact, HDF outright stopped reporting any information or updating information to XXXX after this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Hello I just made a large payment of {$260.00} to  my Chase card two da ys ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sectio n 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed their negative reporting. I sent a validation of debt letter to the credit bureaus and the collection company asking for documents that prove the debt is mine. Neither of them could send anything. The collection company responded with a letter stating they couldnt find my account. I sent a second letter with copy of their reporting and asked for validation for the second time. Its been over two months and they never responded but the negative reporting is still in my credit profile

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 2022-03-28
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:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXXXXXX openXX/XX/2016XXXXhg off/closed XX/XX/XXXX shows activity XXXX XXXXXX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of {XXXX} XXXX XX/XX/XXXX XXXX On transunion shows different date closed XX/XX/XXXX. Amt owed {$XXXX} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {XXXX}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {XXXX} this is not my acct. XXXX # XXXX Open XX/XX/XXXX chg off/closed last pmt. {XXXX} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {XXXX} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX  not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

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 2023-10-23
Company: Mercedes Benz Financial Services
State: SC
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 had a Mercedes Benz Financial Services ( MBFS ) lease I took out in XX/XX/XXXX while living in XXXX  XXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. 

So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. MBFS however are continuing to report to the credit agencies ( as of XX/XX/XXXX ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. 

It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my XXXX credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
PayPal hired XXXX XXXX XXXX XXXX XXXX to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting 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:
I filled out an application for an American Express business credit card for my company, not for me. But I was surprised that they made a hard inquiry on my name or on my credit report. 
I asked them about the reason for the hard inquiry on my credit report, and I did not ask for it under my name, but for the name of my company. They did not tell me that they would use my name and information, and they did not warn me about hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 @ XXXX I called Experian and spoke with representative named XXXX XXXX I asked XXXX to please remove the dispute from my credit report and update credit report to reflect XXXX balance. XXXX refused to remove the dispute and clearly stated, " I will not remove the dispute form your account because this is not something I would do for you '' I asked to speak with a manager and XXXX would not transfer to a manager and stated " why do you want to transfer to a manager '' I told XXXX XXXX was recording the phone call and XXXX became upset and stated YOU CAN'T USE YOUR RECORDING IN COURT BECUASE YOU NEVER TOLD ME AT THE BEGINNING OF THE CALL THAT YOU WERE RECORDING OUR CALL. YOU CAN'T RECORD ME OR USE THIS CALL IN COURT '' I could not get my report fixed or updated because XXXX was rude, disrespectful and belligerent on the phone.

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 2023-08-30
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I signed an Agreement with the, Consumer Portfolio Services, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that Consumer Portfolio Services has purchased a FALSE ACCOUNT FROM XXXX  XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Opportunity Financial, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I refinanced a loan with the understanding that the finance charge would be lower but instead they increased the amount of the loan with higher finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # XXXX Account Type Collection Agency/Attorney Creditor Type Original Creditor XXXX XXXX XXXX Amount Allegedly Owed {$1200.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Current Reporting Creditor HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX After carefully reviewing my credit report, I was not able to determine the source of this debt. I have never received a letter from creditors explaining to me what the debt is for. I would kindly like to request the deletion of this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company is reporting on me and I don't have no idea who these people are they put a judgment out on me and these people here I don't have no idea who these people may be these people could be scheming I know I have went through an identity theft everything supposed to be frozen but these people keep coming at me with some judgment and I don't know who these people is they're harass me and you need to have them stop and pull that judgment off me it doesn't make sense by the god of judgment on me and I don't even know who these people are contracts and all that might be fake check this company out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Byrider Franchising, LLC
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and cnac told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE 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:
I am writing to dispute the accuracy of the following item on my credit report, which I obtained on XX/XX/XXXX. XXXX XXXX XXXX XXXX {$1800.00}. I do not recognize this account and I have no previous knowledge of it. Supply information to validate. If you can not validate then it needs to be deleted immediately. This collection is in violation of USC 1681b. Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.

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 2022-04-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
The following accounts are being reported inaccurately. The accounts are listed in the good standing section yet have late payments that are hurting my credit. Please remove all of the late payments. I have attached a copy of my credit report so you can see. 

Account numbers : 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
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit 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 have disputes from the same hotel for the same amount. I disputed both transactions, but Capital One says that my XX/XX/ claim was filed too late because I only have 180 days. I will not receive a refund. I also received a letter that says Information we discovered leads us to believe you or another account user benefitted from the transactions. I have never been to XXXX XXXX XXXX! This is an undisputable fact! Im not sure what to do. The claim on XX/XX/ is still being investigated, but I have no confidence this will be resolved the right way at this point. If the investigation is done properly, they will see that the latest transaction is fraud too. 

Charges in question : XX/XX/ and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida {$640.00}, 2 separate charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation