BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.

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 2022-12-29
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX XXXXXXXX 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 2023-07-17
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested a copy of my consumer report from LexisNexis and received a response that they are unable to process my request. They don't provide any information regarding how to fix the issue other than stating that additional documentation can assist in authenticating my identity, however is NOT required for a consumer to request their file. I provided additional documentation as suggested, however the response I received was the same form letter as what I received the first time with no information regarding why my request could not be processed. The Consumer Number on the letter is XXXX and the XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
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 sent several disputes to Equifax about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can Equifax verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Its over month now and I am calling customer services number ( XXXX ) day and night from XXXX till XXXX  everyday continuously and no one is picking the phone. My funds are hostaged by the bank and I am am able to add external bank account of mine to transfer money or pay bills online. I had tried every discover number and they keep telling me to call only ( XXXX ) to resolve this issue, however no one is answering on this umber and music keep going on for 2-3 hours and then call gets disconnected. 

please please assist me from this fraud bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: JPMORGAN CHASE & CO.
State: IN
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:
My Chase bank XXXX credit card was mistakenly charged by XXXX in the amounts of XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. When I notified XXXX of this, XXXX sent me the attached letter on their letterhead authorizing my credit card company to issue a refund to me. I did as they suggested and forwarded their letter to Chase bank ( XXXX card ), but Chase informed me that XXXX then told Chase that the charges were appropriate due to the vehicle being returned to the XXXX rental location with damages. However, I was never informed by XXXX of any such damages, although a reservation confirmation email from XXXX stated that I would be informed of any damages. Moreover, there were actually no such damages to the vehicle, and the above charges are also unjustified for the reasons below. 

First, the charge of {$380.00} was posted by XXXX to my credit card account on XXXX XXXX, XXXX, which was XXXX days before the car was returned to XXXX on XXXX XXXX, XXXX, so it was impossible to ascertain any damage at the time of the charge ( and there was no such damage, in fact ). 

Second, because there was quite a lot of existing damage to the vehicle when I picked it up, I took the attached 13 photos to show the existing damage to the vehicle. This car had about XXXX miles on the odometer and was driven only about XXXX miles by me in the few days that I had it. There was absolutely no additional damage in the time that I had the car. The XXXX employee to whom I returned the car looked it over and had no comment about any damage at that time. In short, there is absolutely no validity to the claim to Chase bank that the vehicle was returned with damage, and no evidence of such damage, or any description of such damage, has ever been provided by XXXX. 

The Chase dispute process has been completely ineffective, finally stating that they can not refund because too much time has elapsed since the charge, even though any delay has been on Chase 's end and not mine. I received acknowledgement of the dispute from Chase on XXXX XXXX, XXXX ( attached ), and received a letter dated XX/XX/XXXX ( attached ) from Chase, where I was informed of the claim of damage to the rental car for the first time. I re-disputed on XX/XX/XXXX, sending the attached email at the direction of a Chase telephone representative. Chase sent me a letter dated XX/XX/XXXX ( attached ) saying nothing could be done because too much time had elapsed. From the dates above, it is clear that any delay was almost entirely on Chase 's end and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2022-06-18
Company: Experian Information Solutions 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 # 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 2021-05-25
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A agreement was made with the company that if the vehicle was given back which was voluntary I will no longer be responsible for the vehicle spoke with someone and I was told I should not be liable for the vehicle because it was sold by the company

Company response to consumer: Untimely response
Consumer complaint received 2023-07-17
Company: NBT BANCORP INC.
State: NY
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:
Was notified by XXXX that NBT Bancorp, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my credit score. I contacted NBT and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX, Capital One Auto and XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, TransUnion, XXXX, and XXXX, XXXX their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report.

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from TransUnion, XXXX, and XXXX through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that TransUnion, XXXX, and XXXX delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act.

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation.

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,

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 2019-06-12
Company: EQUIFAX, 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 have requested Numerous times that Equifax remove unauthorized inquires on my credit report, I have gotten generic letters sent back stating they basically wont delete. 
The mortgage inquires- I never allowed my account to be ran my mother in law was going to sign on a house not anything to do with me, I knew at the time I was no where near reading to apply. 
XXXX, my fiance has an account with them, I NEVER put my social down for them to run, the only thing associated to me was my debit card for a down payment for his account to be opened- XXXXl XXXX I did not authorize XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained

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 2019-07-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've attempted to withdraw my funds from paypal for weeks now, though they continue to tell me that the system is automated and that they're unable to allow me to withdraw my funds manually. 

They continue to tell me that the online system sometimes has a hard time ensuring that it is the right person access the account -- while I've verified my identity on the phones and am withdrawing to a bank account that has been allowed to work in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report

Company response to consumer: Closed with explanation