BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I received an inquiry on my Equifax credit report that XXXX XXXX XXXX was pulling my credit report for a loan that was applied for with my personal information. This was an attempt of fraud and identity theft. The company is XXXX XXXX XXXXXXXX. I have disputed this with XXXX XXXX and XXXX XXXX. I have an affidavit where someone attempted to apply for a loan in my name and personal information. I also have a signed police report form. 

Equifax is refusing to remove this HARD INQUIRY from my report after I have submitted all of the documentation showing it was fraudulent activity. My credit report is on a freeze to help prevent any one else from stealing my personal information. 

Please help me remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Barclays Bank agreed in a phone call on XX/XX/2020 to reduce my outstanding credit card balance by 50 %. However they are continuing to send out statements and report to credit agencies an amount that does not reflect the 50 % reduction. I have previously reported this problem to CFPB wherein I asked under the freedom of information act to have a transcript of the phone call when this discount was agreed upon. When Barclays responded to CFPB about this matter and a Federal Conspiracy complaint their response ignored the said phone call. I responded to CFPB that the answers given by Barclays were not correct yet CFPB closed the complaint because Barclays responded. I can not understand why CFPB closed the complaint when obviously the matter has not been resolved. Please explain.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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 the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX Wrong Name And Addresses. 

XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX AV XXXX, WA XXXX XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 non-monetary relief
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
While trying to use XXXX on my account I made a mistake and tried correcting it. XXXX the bank customer services and was told to wait until at least Wednesday to check on it again. But when I tried to sign back in to my account it had been blocked. So called again to their fraud unit discussed the problems gave all information and was told there was nothing they could do, except go to their. branch to correct it. Im XXXX yo recently had XXXX XXXX and am mostly XXXX XXXX and XXXX XXXX XXXX to move inside my home since I have no transportation. This block has stopped me from using my ATM card to buy necessary groceries which I order on line and have them delivered. I just need the hold removed from my account.

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 2023-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My boyfriend gave me power of attorney to speak to this company so I could pay off the truck, I've been trying for 6 months to get someone to speak to me even sent them a copy of paperwork twice and they are saying it's not good enough. I had the money to pay it totally off twice but had to spend it on trying to fix me something to drive till I figure it out. Now it's gone, they got it. My POA says unlimited. At first they even made arrangements and said after court we'd figure it out then they just refused to talk to me, I'm on his paperwork as someone to speak with as well. Why would I make payments if I had the cash to pay it all. I've been harassed so much from this company and it's caused me a lot of stress, calling all hours, beeping in my other line as I'm speaking to them only to say they won't speak to me. Now they want me to call them? I have no concerns.I expect the truck back or at least my tire/wheels and other accessories After the stress they put me through. They took full advantage of this situation in my eyes.Ive already spoke my concerns now they need to address the problem. The XXXX is involved now as well

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 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I Purchased this vehicle XX/XX/2017, The balance was XXXX at the beginning of the loan in 2017. The Balance is currently XXXX. I have paid over XXXX in interest alone with only {$700.00} going towards principle. I have asked to have my interest rate lowered or attempted to refinance and the car is under water so no lender wants to help. Capital One is also refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
XXXX XXXX, Experian, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX commission providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, and Experian refuses to delete this account from my 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 explanation
Consumer complaint received 2023-10-27
Company: V and H Portfolio
State: CA
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:
Vance Huffman listed a collection amount for XXXX. I never had a contract with or owed Vance Huffman for XXXX. I asked for proof that I contracted with them or owed them, they never provided it but continue to report on on credit as if I owed them or contracted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX 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 deleted : 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 2023-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This bank had the worst online interface right along with XXXX which is why I closed down my account. I was locked immediately from everything. It's not a joke, your group is a bunch of scammers. I expect that I hear no nonsense from your side, things are settled between us. Now, I need you to stop the mailing me following me to my new addresses here soliciting my mailbox with your XXXX. I told the bank and they promised me that I would get no mail and no phone calls. Both have been violated with XXXX  advertisements and updates about a closed account. Like I give a XXXX. My account is saved to phone number XXXX and my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh. XXXX. You can stop contacting me right now and stop soliciting the usps to get my addresses as well. We finished out now I expect to stop receiving XXXX  from this XXXX  bank. I will not be contacting you at all so do not expect a response regardless of your " official '' or " unofficial '' response. I do not care about your opinion I told you I felt about your bank. XXXX is better than you. Take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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 have requested XXXX XXXX XXXXXXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining 2 major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and XXXX and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal XXXX XXXX XXXX XXXXXXXX for nearly 20 years. I called on XX/XX/23 to inquire about upgrading my current card as I had this card for over a decade with minimal rewards and credit line increases. The minimum payment due ( due date was XX/XX/23 ) was {$93.00}. I made a payment of {$700.00} and it was applied to my account. As of XX/XX/23, my credit limit was decreased from {$3500.00} to {$2900.00}. This happened to me over 6 years ago, my credit limit was {$4000.00} and decreased to {$3500.00}. I recently lost my father and I'm faced with financial burdens. I'm trying my best to catch up on my personal debt but decreased credit limits are a major set back as this effects the overall utilization rate, which is an importnant credit score factor.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " Experian and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: LA
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them

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 2023-11-06
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 non-monetary relief