BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2022. its been over a month no, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I reached out to Chrysler Capital, because I was behind on payment and was seeking assistance with becoming current on my loan and keeping my vehicle. I was granted an extension. Payments were to resume on XX/XX/XXXX. 
On my billing statement my account was listed current, with XXXX past due and On XX/XX/XXXX I made a XXXX payment. I also made a XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX I logged onto the app to make a payment and there was an error. I was not able to see my account. A few days later I made a 2nd attempt still nothing. On XX/XX/XXXX I attempted again and I called. I spoke with a representative, I was told my account had been charged off. I was confused and asked for clarification, because my account was in good standing less than a month before. The representative couldnt explain to me why my account was charged off. We went over my extension paperwork because, however Thats when I notice that the date on the extension was incorrect. I completed the extension XX/XX/XXXX, but the due date of next payment was XX/XX/XXXX. How is that possible? 
I asked to speak with a supervisor and was hung up on. 
On XX/XX/XXXX I reached back out to Chrysler Capital to discuss my loan and also my payments. I was told that the loan was charged off and there was nothing I could do. I asked about payments and was told I could still send payments, but the account would still remain in charged off status. I asked why I would still make payments if it wouldnt change anything on the account. It could not be explained. 
On XX/XX/XXXX my vehicle was repossessed. I reached out and was told I would need to pay the entire past due in full. I was not giving notice of this repo, I wasnt even given notice that my account was past due. I didnt received any notice from Chrysler Capital since the billing statement on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I was alerted from a credit identity app that Credence Resource Management via XXXX XXXX XXXX added a collection debt to my credit report. I immediately called and informed them, that this sis not my debt. I have been a victim of identity theft for over three years now and due to this unable to use my own credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Harley Davidson Financial Services 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: Investigation took more than 30 days

Complaint:
I was co-signed for my friend who bought the new motorcycle from Harley Davidson in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales manager really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want Harley Davidson finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from Harley Davidson dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it! 
Sincerely!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-11-01
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off four debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.

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 2021-05-11
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost income due to the coronavirus pandemic and were forced to enter a forbearance program. When we were able to start making payments again, our previous servicer sold our mortgage to Flagstar Mortgage. From the beginning, it was a nightmare of an experience. Each person I talked to was rude and even laughed at me while I was discussing my situation on XXXX XXXX, 2021. I was never adequately informed of the process coming out of forbearance. My goal was to refinance due to the low-interest rates back in XXXX of 2021. Although, I quickly found out I was not able to refinance until I ended my forbearance. So I called multiple times just to be told to wait. They were not able to finish my forbearance even after I told them I was sending my payments. Eventually, they went to the lengths of blocking my payments for no apparent reason and then sending me bills for over {$20000.00}. During this time, I received collection calls telling me I was writing " bad checks ''. These accusations were not the case and caused me unbearable mental anguish of being accused of writing bad checks. I had the money to make payments, but they continued to block my payments. They would then call and ask me to make a DOUBLE payment which put us into an even more difficult situation while we had to wait over two weeks to get our first payment back. When I would ask questions on why they weren't accepting our checks, they could not give me an answer. I feel as though they were taking advantage of our situation. This entire process took over six months and is still not resolved. My family lost time and money because of the failure of this company to adhere to even the most basic principles of a financial servicer. I have endured XXXX for the last six months of not knowing if they were going to foreclose on my house, I have lost the opportunity to refinance at a rate lower than 2.9 %, I have lost the time talking to dozens of representatives who acted like I was unworthy of their 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 explanation
Consumer complaint received 2023-12-02
Company: Benuck & Rainey, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is held by collections agency " BENUCK & RAINEY INC '' and the original creditor is " XXXX XXXX XXXX XXXX '' The original debt has never been on my credit until it was placed for collections and has wrongfully been placed on my account instead of the original barrow. I am an active account holder at XXXX but it is clearly current on my credit report. Contacting BENUCK & RAINEY by phone I asked for information related to this account but they did not provide it instead they offered to mail it to but they never asked for an address. Additionally BENUCK & RAINEY is either missing information about the account or refusing to carry out due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
Within 15 days from now, I will be updating my credit reports once more. Let just repeat that per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. And I also attached the files that I include in my complaint dated XX/XX/XXXX. This was my 16th complaint and a follow up notice that I need these items below REMOVED within the given 15 days timeframe. Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX days late in XX/XX/XXXX, XXXX XXXX ad XXXX XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I submitted an electronic payment to XXXX XXXX XXXX ( Jp Morgan Chase auto ) in XXXX through my chase account. Due to intermitted internet connectivity caused by the hurricane the payment never reached its destination. As soon as I found out what had happened I immediately resolved the issue. Unfortunately this was over 30 days and now I have a late reporting on my credit report. I have a perfect history of payment. This was no fault of mine. I called chase and spoke with several departments with no regard for the situation. I would like for the late to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CT
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 unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 contacted capital one as well as XXXX and XXXX about the late payments on my credit report. XXXX has hung up in my face has declined assist me with a dispute over the phone told me that the dispute can only be mailed in and done online when it clearly states, it can be handled over the phone on their website when I informed them that I was going to file a complaint with the consumer protection federal Bureau, they stop assisting me and hung up multiple times. My report has been violated with the following laws. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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.

The capital one account that Im referring to is the account opened XX/XX/XXXX and XX/XX/XXXX. The only credit reporting agency that has updated my information properly as per request of capital one is XXXX. XXXX stated they submitted a case and ask XXXX has refused to assist me which is also in violation of 15 USC 1681 ai For not reporting accurate and complete information on my credit and improper use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Upgrade, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had already submitted a complaint regarding Upgrade and it was resolved and I was sent a letter from XXXX telling me that my account would be reported on my credit as paid in full and they are not reporting this. Instead, my credit has taken a significant hit because they are reporting I have late payments, which I do not and those need to be removed, but the account is also still showing as open. 

I have tried disputing this through XXXX and nothing was changed, this needs to be fixed immediately, I have spent months trying to get this resolved and my credit has been severely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.

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 2023-08-24
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: Information belongs to someone else

Complaint:
I have unknown accounts reporting to my credit report. Please refer to my attachements for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation