BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MN
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 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a camera off of XXXX XXXX for {$2300.00} on XX/XX/18. I make the payments through XXXX but lost contact with the seller afterwards. I contacted the company regarding this, but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/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 2023-09-21
Company: EQUIFAX, INC.
State: KY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
DC # 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 2022-03-03
Company: Experian Information Solutions 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 status incorrect

Complaint:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ).

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 2022-08-05
Company: EQUIFAX, INC.
State: OH
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:
Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from Portfolio Recovery from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for XXXX XXXX. I called the number back and spoke with someone who stated they were attempting to collect debt for XXXX XXXX. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called XXXX XXXX and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the Capital One Creditor has violated my rights under 15 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 account without my written instructions under 15 USCS 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 2019-09-19
Company: VW Credit
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: Credit inquiries on your report that you don't recognize

Complaint:
VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX is being reported on my Experian, XX/XX/XXXX, and XX/XX/XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is a XXXX XXXX  bankruptcy inaccurately reporting on the credit profile associated with my social security number and violates my consumer rights per the following information : The Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. The bankruptcy is currently reporting on Transunion and not on XXXX or XXXX. As the consumer I've previously reported the bankruptcy as inaccurate and stated that it does not belong to me yet Transunion has failed to provide documentation proving the validity of the bankruptcy.

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 2022-03-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX, I received an email from XXXX that funds has been used from my account to buy cryptocurrency thru Coinbase. I called the support number in the email to reach out to XXXX, but was connected with the hacker. He convinced me that I needed to close out my XXXX XXXX  savings account so he could install more security protection. On XXXX XXXX, XXXX, he transferred {$15000.00} to Coinbase account he opened in my name, XX/XX/XXXX transferred {$49000.00}, XX/XX/XXXX transferred {$48000.00} and {$50000.00}, and $ XX/XX/XXXX transferred {$59000.00} for a total of {$220000.00}. My total life savings. I am XXXX XXXX XXXX, single woman, who lives alone. I can access one Coinbase wallet that only shows my sending info for the two-step id to the account. No money is in that wallet. The second wallet, where the money went is gone to my view. However, a recent phone call to Coinbase, I was told they could see the transfers in and out and declined to tell me where the funds were transferred and by whom. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in TransUnion and XXXX is open, while in XXXX, it is closed. 

Payment Status : The payment status in TransUnion and XXXX is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in TransUnion is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in XXXX, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and TransUnion violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between TransUnion and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.

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 2019-01-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX   XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. 
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
I am a victim. of identity theft, please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have called several times, they insist in sending me an XXXX to let me know how is my account. THE XXXX THAT THEY SENT WITH NO NAME OF THE BANK, NO BALANCE!! WHAT IS THIS? WHY GOODLEAP HIRE THIS COMPANY? 

GOODLEAP WASH THEIR HANDS BY SAYING THAT YOU ARE MOVING TO AN OUTSIDE VENDOR. I DID MY CONTRACT WITH LOANPAL, THEY SEND MY ACCOUNT TO GOODLEAP. 
GOODLEAP SHOULD BE ACCOUNTABLE ALSO Every time that I go to the website, they don't show the ACTUAL BALANCE OF THAT DAY LIKE ANY BANK OR CREDIT CARD WEBSITE. 
They are supposed to have an online website where it says your payments and your balance. 
They don't show the balance so you can not complain about the account. 
Even when you complain they send an XXXX done manually by someone!! 
And of course without the balance account! 
Horrible service! 
Horrible website, will not tell how many payments you made, your balance, and then they ask you to look on the monthly statements while THEY CHARGE BY DAY!! 
We are supposed to know how is our balance like any credit card, loan, bank website. 
Would it be possible to audit my account? To whom I need to reach out for an audit? 

XXXX

Company response to consumer: Closed with explanation