BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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 information incorrect

Complaint:
This account has been paid to a XXXX balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: MS
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Chase regarding 2 credit cards that I had past due. in order to fix the issue and bring them current, XXXX XXXX. I spoke with a representative who told me that if I completed 3 consecutive payments and set them up via auto pay that my account would be current and in good standing. I set up the payments that he told me in the manner and amount. 1st card - {$140.00} for the month of XXXX, XXXX, and XXXX. XXXX card - {$74.00} for the month of XXXX, XXXX, and XXXX. All payments have cleared and posted to my credit cards. When attempting to pay my XXXX payments for both cards online, they both show delinquent. I then call Chase to try and resolve the issue. Not only am I transferred multiple times but then I am told that one of the cards is now closed and there is nothing that can be done. I am also told that previous agent did not set up the XXXX. This is why it reset was not processed. Even though the previous agent didn't complete the process and handle it correctly there is still nothing that can be done. I proceed to set up the arrangements again. The new reset program is card # 1 XXXX, XXXX, XXXX each for {$160.00}, Card # 2 is XXXX, XXXX, and XXXX each for {$93.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ATTENTION : TRANSUNION DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet TransUnion still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet TransUnion lists a past due of {$370.00} on this account. How is that accurate?

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX 2019, XXXX XXXX add a hard inquiry on my credit reports.

On XXXX XXXX 2019, XXXX add a hard inquiry on my credit reports.

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 2021-06-11
Company: Experian Information Solutions Inc.
State: MA
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 filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

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 2021-09-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XXXX of 2021 i was contacted by paypal that there where limitations on my due to me using a friends debit card when i lost mine. At that time i was informed that my money would be held for 180 days then it would be released to me for withdrawal and my account would be closed. From my understanding the 180 days would be over at the end of XX/XX/2021. Since XXXX i have been trying to withdraw the funds in my account and close it. I am still unable to withdraw my funds and still can't use my account. I have contacted them on several different occasions with the results staying the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
We are in the middle of COVID. I was laid off temporarily over the XXXX holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on time.

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 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I requested a cashier 's check for $ XXXX on XX/XX/XXXX. 

BBVA 's bank, Simple, removed those funds from my account on XX/XX/XXXX. 

Simple can not find the check and will not cancel the check, which means I'm out $ XXXX. 

I spoke with Simple 's customer service today, on XX/XX/XXXX. They said that the problem was that XXXX has weather delays at the headquarters of their partner bank, BBVA. This is a verifiable lie ; XXXX publishes their service delays, and there are no delays in the area that Simple/BBVA is claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called me at work. Told not to call at work! XXXX XXXX from 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 2023-06-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a letter to the credit bureaus on XXXX XXXX to XXXX, XXXX and Experian. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance 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 2021-01-05
Company: CONTRACT CALLERS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received my credit report from XXXX. I am copying/attaching the detail of report below : CONTRACT CALLERS INC XXXX {$120.00} - - - AddressXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date OpenedXXXX ResponsibilityIndividual Account Account TypeOpen Account Loan TypeCOLLECTION AGENCY/ATTORNEY Date UpdatedXXXX High Balance {$120.00} Original CreditorXXXX XXXX XXXX  XXXX Past Due {$120.00} Pay Status>In Collection< Estimated month and year this item will be removedXXXX Please note that the Collection Agency has not contacted me regarding this matter.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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, the following accounts have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX ) XXXX. Online services # XXXX 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 consent

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 2019-02-12
Company: Lamont, Hanley & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After I leased my new vehicle on XX/XX/2018, I spoke with a person making sure what I had to do regarding insurance for both cars. I knew I could not return my XXXX at the end of XXXX. However, later I learned I could not return it until XX/XX/XXXX unless I wanted to pay additionall fees. 
So I kept it and paid for the month of XXXX knowing I would not be driving it. I called in XXXX to cancel the insurance with XXXX XXXX in because I changed insurance companies beginning XX/XX/2018, and found out the account had been closed. I assumed they were aware of my business with the new insurance company and new car. My sales rep had said I was also covered for several weeks so I was safe. Anyway, now I have this collection notice? I am confused. I called to cancel and could not, because the account was closed. How can this be fair? I feel I am not liable. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Millco Management
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 have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to XXXX XXXX. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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