BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: AR
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:
See Attachments. And remove negative accounts.

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 2022-03-01
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 XXXXXXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : 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 2021-02-05
Company: AMERICAN HONDA FINANCE CORP
State: IL
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 was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through experian. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : American Hinda Finance - acct # XXXX - date owned : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX  Card XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin ODA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint bc I keep receiving emails from Caliber Mortgage that states my mortgage payments are applied to another address. Ive forwarded the emails to my loan officer who has tried to rectify the situation. I will continue to submit complaints, until they acknowledge and correct the issue : below is a cc of what I receive every month. I do not live or hv ever lived at the address below. 

Thank you for your recent payment! 

Confirmation Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Account Number : XXXX Your Bank Account or Card # : XXXX Below is a summary of your one-time payment to Caliber Home Loans , Inc . Please keep this confirmation for your records. 

Scheduled Payment Date : XX/XX/2021 Payment Amount : {$1100.00} Total : {$1100.00} Note that payments may not post to an account the same day as scheduled when submitted after XXXX CST, Monday through Friday. If received after the cutoff time, the payment will be processed the next business day. 

If you have questions about this transaction, please contact one of our Customer Service agents at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a new XXXX in XX/XX/2019 from XXXX XXXX. As part of the purchase agreement, I turned in the XXXX XXXX for which I was leasing at the time. I had three months remaining on that lease at the time I purchased the XXXX and I paid for the remaining three months through the contact which is documented on the purchase agreement. I was unaware the dealership made an error until I tarted to receive correspondence from American Honda finance. I contacted the dealership not once but twice as I kept receiving correspondence from AHF. The dealership finally forwarded the payoff to American Honda but it negatively impacted my credit. I tried to resolve this with the bureaus and American Honda but they indicated the account was charged off at the time they received the balance and would not help. This is upsetting because if you look at the history of that lease there were no delinquent payments except the last three months for which should have been paid to the finance company early. This just doesn't seem fair to the consumer ( me ). Everything I pay on time and due to some XXXX error that I had to address twice with XXXX my credit is reporting negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the XXXX credit bureaus XXXX, XXXX  and Transunion to remove late payment to no avail.

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 2021-01-21
Company: CURO Intermediate Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to ad astra customer service, and company president by email asking to validate this debt. They have not responded but yet validated the account with the credit bureau. How that's possible I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: RentDebt Automated Collections, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company says we owe XXXX. The falsified the papers said we moved out a month and 10 days later than we did signed the documents when other person did not sign the place was rented out less than a month after we moved out they sent us stuff from XXXX and we moved out in XXXX papers for validation of debt was not current the place never fixed anything when you called them dor repairs they are saying we owe more money than we do not to mention this took place during the covid 19 pandemic they would not work with us at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity theft and I have been filing disputes according to the FCRA. The disputes are not being processed correctly and the FTC report is not being attached to the disputes. And I haven't gotten copies of the verification process like Im supposed to per the FCRA>

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 2022-03-02
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a credit card with capital one ... I checked my credit report via credit wise and noticed a new banking account was opened on XX/XX/2021 ( reported from XXXX  ). 

I didn't open an account and I want it closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am hoping there is a way you might be able to help me. I have a collections against me for {$35.00}. 
This is on my credit report. I repeatedly have problems with this agency. This is the third time they have stated I owed {$35.00}. In the past I filed a dispute with the credit agency and the claim would be removed. This time however they did not. I called them last month and spoke with a gentleman. He went on to say I owed them hundreds of dollars from past depts. I have never been sued for any of this. He also informed me he did not know anything about a {$35.00}. charge on my credit report, therefore he could not help me. 
Is it at all possible that you could help me with this? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: CT
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:
Recently I submitted an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately

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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email offer from Bank of America that stated if I opened a Bank of America Business checking account deposited {$20000.00}, maintained that amount for 75 days plus make 5 electronic bill pay, debit card purchases etc I'd receive a {$500.00} bonus. I opened the account on XX/XX/2020 and funded it that day with {$21000.00}. 30 days after I opened the account I got a letter from Bank of America saying I was enrolled in the bonus and will get it. I have satisfied all the requirements to get the bonus, but have not received it. I've gone to 3 different branches and called several times trying to get the bonus I have earned. Bank of America claims they are looking into it, but I never get a reply phone call etc. The terms in their offer stated 75 days it has now been over 120 days with no bonus paid to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I found out last week on XX/XX/14 that I was supposedly past due on an amount of {$170.00} I thought I called and fixed this issue but today at XXXX my mother called me to tell me they are currently harassing her. Please stop them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by Nelnet. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} NELNET continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # 899285 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I pre-paid my XXXX Parking with my Chase Credit Card and the XXXX employee ( XXXX XXXX told me lot was full and sent me to Lot B. Then when I tried to leave I was locked in their lot and can't find a human being working there for XXXX. XXXX 's XXXX XXXX XXXX is a firetrap!!! What if there is a fire??? You have no employees working in your lot!!!!! I could not get out except to pay for my parking space twice. I prepaid for my space weeks before my trip. This is how you treat your customers. Lock him in the lot with no way to get out of your firetrap parking lot??? 

I pre-paid parking {$110.00} and then they charged me another {$180.00} to get out of thier firetrap parking lot. Chase did nothing to help the consumer. They are too busy helping billionaire child molesters like XXXX XXXX. They don't want to help the consumer. 

See attached back-up. I am reporting Chase and XXXX to CONSUMER FINANCIAL PROTECTION BUREAU. They are rip off artists. You can call me at XXXX to resolve this. Look at your receipt - NO XXXX TELEPHONE NUMBER. NO WAY TO CONTACT XXXX IN YOUR FIRETRAP OF A PARKING LOT. You are putting peoples lives in danger!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX 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 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