BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TN
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX Balance : {$350.00}, XXXX XXXX  XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-11-19
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone is trying to open a credit card under my name. Twice in two weeks, Chase has done a credit report request to issue the card. After reporting it once and putting a freeze on my credit report- they allowed it to happen again. They are using my maiden name, which I haven't had for twelve years and my credit keeps going down because of the hard pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Unauthorized and Fraudulent Credit Inquiries Dear XXXX XXXX, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address a concerning matter regarding my recent credit report provided by TransUnion XXXX. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX  - Date of Inquiry : XXXX XXXX XXXX - Date of Inquiry : XXXX I want to emphasize that I did not provide authorization to anyone employed by these companies to access or view my credit report. Moreover, I did not grant TransUnion XXXX permission to include this information on my credit report. Such actions not only violate the Credit Reporting Act Section 1681b ( c ), but they also represent fraudulent activity and a serious breach of my privacy rights. 

I request your immediate attention to this matter. I urge TransUnion XXXX to take swift action to rectify this situation by removing the unauthorized and fraudulent credit inquiries from my credit report promptly. Additionally, I expect a written confirmation of the removal and an explanation of the actions taken to prevent similar occurrences in the future. 

Please consider this as an urgent matter, and I trust that you will handle it with utmost diligence. Your cooperation and prompt resolution will be greatly appreciated. 

Thank you for your attention to this serious issue. 

Sincerely, 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 2023-09-19
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since I discovered my credit report on Transunion which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly

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 2023-04-27
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax is showing an account as in collection with XXXX management Company. 
When I checked for more information on their site concerning this account it showed XXXX XXXX Account open Account settled for less than amount owed. 
According to the information available on Equifax site XXXX should have reported the account was settled and closed but for a lesser amount than owed. Then the collection should have been removed from my report and XXXX points applied to my score. I did check the other Credit reporting agencies and this account was reported settled and removed as a collection owed. 
Not sure why Equifax didn't. I would of thought with a XXXX balance it would seem the account had been satisfied. XXXX should of reported the account closed when I paid the agreed settlement amount. There were wrongs on both sides. However, I am the one that was affected by the lack of correct reporting. 
Hopefully you will be able to correct the errors. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NC
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 recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. 
Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help 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 2023-12-18
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Honda Financial Service. Loan # XXXX. I make extra payments. The extra payments are not applied to principal. Honda considers them an extended payment. They consider my loan paid UpToDate in the future. The extra payment should be applied to principal. If not applied to principal i should receive interest on the amount they are holding. Honda makes it hard to to apply funds to principal. The focus is to keep paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Affirm Holdings, Inc
State: DC
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:
Affirm Acct XXXX XXXX XXXXXXXX Dispute XXXX XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT WITH XXXX XXXX THIS IS A RE-INVESTIGATION. YOU HAVE 7 BUSINESS TO REMOVE THIS ACCOUNT. YOU MUST CEASE AND DESIST ALL REPORTING, IMMEDIATELY! 

XXXX is assisting companies with breaking consumer laws, by allowing them to make false, inaccurate credit reports. Affirm did NOT provide ANY documented proof that I requested or agreed to obtain a loan. More and more, XXXX is apparently going on these companies ' word, instead of documented PROOF of applications, loan agreements & purchase agreements. 

Because the requested documents DO NOT exist, I order you to CEASE AND DESIST reporting to my credit reports, starting TODAY, XX/XX/. Any further reporting is classified as harassment, breaking Federal and state & laws, as well as violating my consumer rights. 

In my XXXX Credit dispute report # XXXX, Affirm FAILED to provide the following requested documents, because They DO NOT EXIST : XXXX. The dated and signed loan application with my wet signature. 

XXXX. The dated and signed loan agreement with my wet signature. 

XXXX. The original purchase agreement that shows I am the legal owner of this alleged debt to include all terms and conditions that are included in this purchase agreement. 

Since you did NOT provide ANY of these documents, I requested that you remove this acct from my XXXX  credit report. Since you refused to remove this account, NOW I AM ORDERING YOU TO CEASE & DESIST ALL REPORTING TO MY CREDIT REPORTS IMMEDIATELY & PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Atlanticus Services Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a fortiva line of credit through a furniture retailer and paid off the balance within the terms of the special financing in XXXX and had XXXX correspondence from fortiva after. XX/XX/XXXX I received a letter stating I owed late fees. I immediately called, spoke with XXXX and stated I wanted the account closed immediately. My account was credited ( and have the XX/XX/XXXX statement to prove it ) and was told the account was closed. Never heard from fortiva again.until XX/XX/XXXX! Another letter arrived stating the exact same nonsense as the year prior. I returned the letter with a giant ACCOUNT CLOSED XXXX on it. This company is fraudulent and this needs to be resolved immediately. They also have the incorrect name on the account which just adds to their XXXX. According to them and that mistake, I legally dont have responsibility to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I did not realize I missed the pay off amount of my Bill of {$520.00} with XXXX First Finacial on XXXX and I Accrued an Interest Charge of {$720.00} added to my Account. 
I offered to pay off the remaining balance of the account owed today of {$1300.00} on XX/XX/ if they would remove or lower the accrued interest of {$720.00} and was told they would not. 

So on my latest Billing Statement if I fail to pay of the next Balance of {$800.00} by XX/XX/2023 I will Accured Interest of additional {$620.00} more to my Bill. 
This was all done from XXXX work from XXXX XXXX. 

This is just crazy! Can you help me? 
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX email XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
Re : XXXX XXXX XXXX # XXXX # XXXX Violated XXXX ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XX/XX/XXXX your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

XXXX that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; XXXX XXXX XXXX Notice for validation of debts. 
( d ) Dispute ; ( 2 ) Response to disputes ; Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the XXXX and, XXXX of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXX XXXX was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting. 

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must not : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred.

However, I disputed the accounts with Equifax Reporting Agency XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Coastal Finance Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Coastal financial company is still on my credit report from over 10 years ago. They claim its not fixed because my birthday is incorrect on there end but I provided what I needed to they need to remove my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my consumer reports and notice I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/2023, and XX/XX/2023. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late. Please see screenshot attachment

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 2023-09-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief