BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Convergent Resources, 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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # 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 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- XXXX -- XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2023 -- EQUIFAX -- XXXX - XX/XX/2023 XXXX - XXXX XXXX - XX/XX/20XXXX XXXX - XX/XX/202XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: MI
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:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX XXXX - {$4300.00} XXXX  XXXX XXXX - {$3100.00} XXXX  XXXX XXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are too many hard inquiries on my credit report. I have been shopping around for a mortgage. I verified we have 45 days to shop around from the first inquiry that we make and it wont affect our score however each time I shopped around in the same day I had four hard inquiries added to my report. This was just on XX/XX/XXXX. I also noticed two years ago XX/XX/XXXX we were looking for financing for an auto loan and there are three hard inquiries on the same day in XX/XX/XXXX when we were shopping for financing for the auto loan. This should not be happening these are clearly errors can this please be corrected?

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 2019-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help and notify multiple violations to the Free Credit Reporting Act. My rights as a consumer are being violated. I have an account with JP Morgan Chase Bank, account # XXXX, opened : XX/XX/XXXX, Limit : {$30.00}. This company is reporting a late payment on my account, committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Chases website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXXX, Date opened XX/XX/XXXX, Limit {$9000.00} ) is current without a single late. 

This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. This is affecting me in a huge way, mentally and physically. 
They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from JP Morgan Chase Bank as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Chases records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
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 FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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

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 2021-05-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About a month ago I noticed 2 alleged collection accounts furnished on my credit report the alleged debt collector happened to be ( and still is ) Credit Collection Services. I Sent my dispute to Credit Collection Services on XX/XX/2021 it was delivered on XX/XX/XXXX. Credit Collection Services did not respond until XX/XX/2021. This late response is the reason Credit Collection Services is in violation of Title 15 1692G ( A ) for failing to send a notice to me in the first 5 initial days of My dispute. 


In my dispute I requested them to provide the original agreements with signatures of all parties to the agreements with me and the alleged Original Creditors i.e. " XXXX XXXX '' # XXXX and " XXXX  # XXXX -Credit Collection Services failed to respond to my request- I also requested Credit Collection Services prove that these alleged debts are accounts as defined in Title 15 1693-2 which governs the procedure on debt collection- Credit Collection Services failed to respond to my request therefore Credit Collection Services is in violation 15 USC 1692E-2 ( A ) by failing to validate this alleged debt as an alleged " collection '' yet furnishing it on my credit report as one is falsely implying its status.

I also requested the date of first major delinquency, The date of last activity, and the date closed - Credit Collection Services failed to respond to my request- Credit Collection Services is in violation of my state 's statute of frauds ( According to California law [ Cal . Civ. Code. 1624 ], ) by failing to provide the original agreements with me and the alleged original creditors with signatures of all parties to the agreements of two alleged debts furnished on my credit report instead, on they had XXXX XXXX  One alleged original creditor send me a " Statement of the account '' which is not what was requested by me. Credit Collection Services has yet to send me any information on the alleged XXXX  debt therefore failing to respond to my request or validate this alleged collection account entirely Upon further research, I discovered that Credit Collection Services does not have the right to collect debt in the state of California therefore this alleged debt collector is violating 15 USC 1692E-1

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021

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 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
my account was closed due to 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 explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was locked out of my credit report by XXXX, XXXX and Experian while trying to do a dispute because they do not list my current employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2019-06-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX, I received a bill from Chase Bank for XXXX XXXX   property taxes on a XXXX XXXX - leased XXXX from Chase bank. The issue is I moved to XXXX in XX/XX/XXXX and had turned in the vehicle to a XXXX dealership in XX/XX/XXXX in XXXX. The payments were finished ( Chase simply stopped charging my account ). I was then driving a new vehicle. I called about the bill ( around {$300.00} ) and they said it was their mistake. I am at work now however getting calls about this so I needed to document this here. I have paperwork at home. 
*I received another letter less than a month later, requiring proof of the title being turned in. The title was never mine, it was Chases, so I never had a title. How could Chase bank ask me for that? I told Chase bank I gave all paperwork to the XXXX dealership. I was asked to track down the dealership to see if they still had things in the glove compartment, mind you its the month of XXXX, and I turned in the car in XXXX, and honestly don't remember where the dealership was. *Chase bank was privy to the same information I was about my payments being stopped in XXXX and not owing on XXXX or XXXX XXXX  property taxes. *I provided them with the registration of my new vehicle and the registration for XXXX for the subaru. 
*I am now getting telemarketing calls daily to extend my warranty on the XXXX XXXX ( which I turned in XXXX ). I haven't received these since XXXX. They are local calls and I can not answer my phone now. I've registered for the DO NOT CALL LIST which hasn't helped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I initiated a balance transfer request with my Capital One Quicksilver credit card account. I was approved for my request for {$8900.00} and asked for it to be sent to pay off my credit card balance with XXXX  XXXX. 

During this time, I was informed by XXXX XXXX  that they were being acquired by XXXX XXXX  and the official transition would take place on XX/XX/2023. I asked a customer service rep at XXXX XXXX  prior to initiating the balance transfer with Capital One, if it would be okay to pay off my account prior to this date with a balance transfer and they said it would be fine. 

The balance transfer check was cut on XX/XX/2023 and according to the copy of the check, it shows that it was deposited on XX/XX/2023 ( XXXX day after the transition from XXXX XXXX XXXX XXXX XXXX ) I received my first statement from XXXX XXXX  and it appeared as if no payments were ever posted to the account. This was concerning for me, so I contacted XXXX XXXX  and told them what happened, and they asked for a copy of the check Capital One sent to XXXX XXXX. They had their payment investigation team and the transition team look into it further only to reply that they noticed on the back of the check it looked like it was deposited by XXXX XXXX XXXX XXXX XXXX 

The front of the check included my account number with XXXX XXXX  and was addressed to the correct XXXX XXXX XXXX XXXX Texas provided to me by XXXX XXXX  at the time. 

What's interesting is, the check that was issued by Capital One says " XXXX XXXX XXXXXXXX '' on the front of the check. On the back of the check it says " Pay to the order of XXXX XXXX XXXXXXXX '' and it also states " XXXX XXXX  '' as well. I was told by XXXX at Capital One that Capital One banks with XXXX XXXX XXXXXXXX, so I think there's a possibility that this check was returned to Capital One and deposited back in their account. Capital One informed me they are attempting to " recall '' the funds, but there is no guarantee this will be successful. I am currently accruing interest with Capital One and XXXX XXXX  while this matter gets resolved. Capital One said that this process could take 90 days, possibly longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
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 FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:XXXX****, XXXX XXXX Account XXXX, XXXX/XXXX Account Number:XXXX****, XXXX XXXX  Account Number:XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.

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 2022-06-18
Company: LEXISNEXIS
State: GA
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 was shopping for ( 2 ) vehicles. I was pre-approved by XXXX XXXX XXXX and XXXX XXXX. I had already selected my vehicles. When I went to the dealership to complete the deals and pick up the vehicles. The sales person and finance team toke it upon themselves to run my credit multiple times threw many financial institutions without my signed consent searching for a better deal that. I didn't ask them to do. I was satisfied with the companies that I chose. To submit my information over ( 40 ) times between the ( 3 ) credit buraus was abusive and excessive. I've contacted them several times via written communication and verbal phones calls only to get no satisfactory results. I've quoted all the Fair Credit act statutes that would pertain to my situation and they still refuse to remove theses items. Telling me there is no impact to my credit file it only counts as one point even though they were all done within one to two days apart. The impact is indeed affecting me credit score as well as credit character as a responsible consumer. I'm requesting that theses hard inquires be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief