BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : $ XXXX Account Name : XXXX XXXX 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 2023-05-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently viewed my credit reports/files from XXXX, Equifax, and XXXX. All 3 of the credit reporting agencies are reporting XXXX collection accounts from XXXX XXXX XXXX XXXX : 1. $ XXXX acct # XXXXEquifax acct # XXXX XXXX 2. $ XXXX acct # XXXXEquifax acct # XXXX XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, XXXX XXXX XXXX XXXX XXXX ), if it is an actual company and not scammers, is claiming to collect on an old payday loan from Check N Go and is using shady tactics ( via robocalls ) such as threatening to come to my home and place of employment so I can sign so " documents '' as well as harassing me by calling my phone back to back all day long which is a violation of the FDCPA ( so far today they have called me at XXXX, XXXX, XXXX, XXXX, XXXX, and again at XXXX in which they called 3 times within XXXX seconds ). This company is also spoofing numbers to call me which technically is a violation of the FDCPA because they are not properly identifying themselves by using their own company numbers to call. I have provided the voicemails left on my phone over the last 2 days from this company. I pulled my credit reports and this debt they claim I owe is not even listed on them anymore, so I think they might be trying to collect on old debt that might be beyond that time frame allowable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/2023, I am being a late fee even though I made a payment on Capital One 's phone payment system even speaking with someone. I was told that the payment would not post until XX/XX/2023 making it late even though I paid it on XX/XX/2023 when it was not late. I was told payments made after XXXX do not process until the next day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
wrong information is reported in my credit report

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 2023-05-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm not quite sure what has occured with the transactions between the bank Chime and the online company XXXX. The problem is in regards to insufficient refund. The total of the transactions where XXXX dollars, I've only received a XXXX dollars deposit back into my account. I've called the coustomer service department several times and everyone seems to be incompetent. There's has not been a sufficient resolution or attempt, just a run around. There also seems to be a situation with the account statements matching, each statement has different transactions. There are services being provided however, there is a competency situation on the rules, regulations, and statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED 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 2022-02-19
Company: Specialized Loan Servicing Holdings LLC
State: FL
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:
This complaint was closed and the errors were not corrected Complaint XXXX SLS continues to ignore the fact that they are reporting a Closed Account as Active which causing me not to qualify for a home loan. Ive been trying so hard with SLS to no avail.. 

I need the information being reported corrected or deleted. Asap. 

Calculated using XXXX XXXX Provided by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Show more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$28000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$23000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$69.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX & Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX + {$1100.00} In good standing XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$3000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ( REMOVE ) - {$0.00} Closed Overview You have 0 % left to pay on this real estate loan. 

XXXX {$0.00} XXXX XXXX $ 207000 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX Youve made 99 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Closed Type Conventional RE Mortgage Responsibility Individual Account. 
Remarks Foreclosure Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

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 2023-07-02
Company: EQUIFAX, INC.
State: GA
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:
I submitted a dispute for my XXXX XXXX Account several times to the bureaus. After never receiving a response, I wrote the company myself. The company responded to my dispute, and in the letter stated they would have the consumer reporting agencies update the account to " In Dispute ''. I just checked my credit report and neither Equifax or XXXX updated this to " in dispute ''. I am including the letter that XXXX XXXX sent to to me with their exact words.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: WV
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 contacted Experian via mail several times in XXXX, XXXX, XXXX and XXXX including two complaints I filed with the CFPB about the information they are allowing to be reported on my credit report that is incorrect. I reported a delinquency on my credit report that was fraudulent, and I even gave Experian the correct information. However, they keep saying the information was verified. I contacted the XXXX XXXX, Virginia civil courthouse clerk who explained to me that the information was not correct. 

The information that is reported on my Experian Credit report that is in question is : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Virginia XXXX Phone number ( XXXX ) XXXX Account Number XXXX Balance : {$10000.00} Balance update XX/XX/XXXX The monthly payment is {$1300.00} Past due {$10000.00} Term 24 months The lease was opened XX/XX/XXXX To begin This was a rental property lease for a home that was not rented through XXXX XXXX XXXX. 
The lease amount was {$1300.00} we left the property XX/XX/XXXX because. And as you can see from the attached court documents this is all verifiable. The XXXX Virginia court has a total of {$8200.00} and XXXX XXXX is reporting that I owe {$10000.00} with that amount changing constantly because he adds more money each time he updates this with Experian. Also, Virginia State eviction law does not allow Landlord or property Owners to receive interest on debts after the tenant has vacated. At this point I want the information deleted because Experian has allowed this person to falsely verify this false information for years, I have also reached out to Legal Aid.

Documentation showing Experian 's reporting and Documentation from the XXXX XXXX Virginia Court has been attached showing proof of this huge error.

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 2023-03-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquires I did not authorize please delete

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This needs to be sent to XXXX, XXXX, TransUnion. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, XXXX, TransUnion.

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 2023-10-20
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a letter XX/XX/2023 in the mail saying I owe an alleged debt. never got enough information. also didn't get enough time to respond, couple of days later it was on my consumer report. I have sent them a dispute letter to remove inaccurate information. The reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: TN
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 an 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. 

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 XXXXXXXX * Theses accounts are 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX  Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: BMW Financial Services NA, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, So I have looked into a car a while back ( XX/XX/2018 ). I was looking at a XXXX XXXX XXXX and The sales person ( which with seducing sales tactics tricked me ) ran my credit in 12 different places!! Just so I can buy the car the " best possible '' terms. I ended up not getting the car and I am now buying a car cash, finalizing its paperwork after 1 year ( saved up for it so I wouldn't use my credit ). The dealer was a XXXX in XXXX and the sales person name was XXXX XXXX - XXXX ( PLEASE DON'T POST NAME AND LOCATION ) The dealer manager even called me and asked forgives and how they could make this right. I didn't know the effects of it at the time. I understand that I was not told or in written explanation that my credit would run 16 times for inquiries to get best rates possible. Very unethical. Not looking from anything from the finance company, but only needing to get this out of my reports. 

I am now finding out about credit and learning about all my possibilities and the importance of it for the past few months. I was a great student in college and I have been doing well in business, even helping out my family. Now, I am not shopping for credit but do see the importance of improving it, so I am here requesting this to be out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: VA
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 XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXX XXXX. I paid off this loan in XXXX. In XXXX of XXXX, I received a lien release letter. My account number is/was XXXX. Name : XXXX XXXX To date, I have not received my car title. 

I have called XXXX finance now at least four times. Each time I call, Im told it will be resolved by a certain target date, but when I call back on that target date, it is not resolved. 

I believe I called on XX/XX/XXXX and XX/XX/XXXX. I am certain I also called on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX and XXXX ET. I dont have the names of all people I spoke with but I did speak with XXXX supervisor, XXXX XXXX XXXX 

I also called the XXXX Collector in Florida, who confirmed there is still a registered XXXX on my car, and that I can not get it released by just sending my XXXX release letter. The XXXX Collector told me Chase must send XXXX release information and has not sent them the information needed as of early XX/XX/XXXX. 

I purchased my car in Florida. I am XXXX XXXX military so I am now stationed in Virginia, but my home of record is still Florida. I am still a resident of Florida. I know Chase has my correct contact information because I received my XX/XX/XXXX XXXX release letter to my correct address in Virginia. 

Please provide FL with the information needed to release the XXXX on my vehicle and mail my title to : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation