BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filing this complaint in dispute of a late fee that was applied to my Kohl 's account in error. I have NEVER been late on this account or any account for that matter. I initially disputed this in XXXX, contacted all 3 credit bureaus and the matter was resolved. Now I received another late fee in error. On XX/XX/XXXX I received a late fee of {$29.00}, I made a payment online on XX/XX/23 for {$190.00} after trying many times through the automated system to make a payment with no prevail. The payment was reversed without being notified. I was not aware of this happening until I received an alert of my credit scores dropping and saw another late fee applied on XX/XX/23. I contacted Kohl 's several times and talked to many customer service reps and supervisors for days, XXXX I made a payment of {$190.00} and {$80.00} of late fees were adjusted off of the account as well as the late payment remark. During this time I opened disputes with all 3 credit bureaus to have the late payment removed from my account since the late payment and chargers were removed from Kohl 's account. This was resolved and my score returned to normal with all 3 bureaus. I had a credit of {$35.00} on my account and no payments owed. Now another late payment was reported for the same issue that was resolved the previous month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM REACHING OUT TO REMOVE ALL LATE PAYMENTS FROM ALL OF MY XX/XX/XXXXL ACCOUNTS 2 CREDIT CARDS AND ONE LOAN.

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX 2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # 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 states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital one has repeated " returned '' my car payment but I have not received the money back into my bank account. I called my bank today to confirm and I have no returned payments at all from capital one auto finance. I want to know where the XXXX my money is if it was supposedly returned. Why was it returned when it was accepted intially for my car payment then I was charged not only a fee but extra money toward my auto loan? This is unacceptable! Over the course of my loan I have {$1900.00} in payments what have been supposedly returned but no record from my bank that it was returned or the money was placed back into my account. I have also submitted XXXX XXXX XXXX. The company has refused to acknowledge the information on their own mobile app stating the payment was not returned and they have no control over what the mobile app states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
1.XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX Dear XXXX, EQUIFAX, XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : FRAUDULENT INQUIRIES : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible. 

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result. 

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXX XXXX XXXX XXXX XXXX  {$5700.00} ; XXXX XXXX XXXX XXXX  : {$1900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$940.00} Date Opened : XX/XX/XXXX XXXX  BANK Account # : XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from 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 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: WI
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 # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Mercedes Benz Financial Services
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I on XXXX XXXX went to Mercedes Benz dealership to discuss my options for the end of a lease I have coming up in 4 months. The the sales men who was attending me talking my into getting an XXXX SUV that they had in inventory to finance. I was considering it due to the fact that the sports car the i currently have is rough to drive around the roads of XXXX XXXX XXXX and needed something that could handle pot holes, broken up and construction roads ( Etc. ). I gave them consent to run the bank application for a financing loan. I soon realized when I went home and ran the numbers myself with my wife the price he was trying to sell me the SUV for was way to much for its worth and left out a lot of details on it. He tried to convince me it was a great deal when it wasn't because the price he was selling me this XXXX SUV for was at the same price of a newer model XXXX or XXXX. I spoke about it with my wife and she tolled me the whole time at the dealership not to go through with the offer. I called the salesmen multiple times and it had only been an hour since i has left the dealership. I left him voicemails and text messages to not go through with the banking applications. I kept calling and I couldn't get in contact with them. I even went back the dealership to try and speak with him but he was already gone. They ended up doing it anyways after i told them not too. They sent out multiple applications to try to get me approved and got denied from a total amount of XXXX banks all on the same date of XX/XX/XXXX. This impacted my credit score and even got me XXXX hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
This closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX  XXXX closed account should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-10-13
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I informed the Credit bureau Transunion, XXXX, XXXX that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later Transunion and XXXX decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank youXXXX 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 2023-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute letter certified mail out to Experian, XXXX, and XXXX regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.

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 2022-02-19
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2017 I paid off my XXXX XXXX XXXX XXXX XXXX XXXX, license plate XXXX, VIN # XXXX. Chase Auto finance has failed to release the lien after 3 requests. The State of California Department of Motor Vehicle is requesting a certified copy of the lien release in order to issue title and still shows Chase as a lease holder. I have contacted Chase 3 times and provided this information. Each time I was told they would notify DMV electronically and a certified lien release wouldnt be necessary. After 3 failed attempts to DMV, Chase is still the lien holder and will not issue me title with our a certified hard copy of a lien release from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Accounts : - XXXX  Account # XXXX Late Payments for XXXX, XXXX and XXXX of 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 2023-04-05
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-15
Company: EQUIFAX, INC.
State: VA
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 Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.

Company response to consumer: Closed with explanation