BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inaccurate account information : I am dispute any discrepancies in account balances, payment history, or account statuses that are incorrectly reported on my credit report. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: CAINE & WEINER COMPANY, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MO
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:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
THIS WILL BE THE SECOND COMPLAINT ABOUT XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-10-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX has been reporting inaccurate information to XXXX, Equifax and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to Equifax in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got a credit card with Forever21 but i was charged late fees when their payment account was down, called them to try to fix it and they cleared the fees and I closed the account because I was angry that because of their website not working my credit was affected. Months passed and I check my credit and it went down XXXX points from XXXX to XXXX, I called them and they said they closed my account and was supposed to take the fees off but they havent updated the information yet and its been months! to try calling next month to see if the system has updated but my credit is being affected badly!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-05-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX. After verifying that that XXXX was misreporting my dispute I sent through CFPB with XXXX XXXX accounts as fraud, I contacted Equifax to see if the complaint sent to them as mislabeled as fraud as well. The representative verified the XXXX dispute was labeled as fraud. I contacted CFPB and was told that the CFPB does not place labels on complaints & that they just forwards the complaint. Equifax labeling the compliant as fraud is inaccurate because : 1 ) Reference CFBP complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 2 ) I also found out that Equifax placed a fraud alert on my account without my expressed written permission through notification in the mail. 3 ) Equifax most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 4 ) When I logged in to find who was my servicer of my loan previously, it was not XXXX. It was XXXX, who is the US Department of Education 's default resolution group. 5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: National Management Recovery Corp. (NMRC)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I received a call from XXXX XXXX XXXX XXXX in Texas. A man called ( identity himself as a law XXXX ) and told me he was attempting to serve papers, but he could not locate me. I told him I had sold the home and moved out of state, so he gave me the phone number and the affidavit number to the company that had filed against me. I called them, and I was told they had filed a criminal intent to fraud against me, and if I did not pay over {$2000.00}, I would have to go turn myself in my local county sheriff 's office. I panicked because I really thought it was legitimate since XXXX XXXX shows up on my caller ID, and I researched the number and it was correct. She the told me I could pay {$900.00} and make payments on the rest. I borrowed the money from my parents, and gave them my debit card information for the payments. Isn't impersonating a law official a crime? I called XXXX XXXX XXXX XXXX today, and they informed me they NEVER had any papers to serve me ( criminal oe civil ). I also want them to refund the money back to my parent 's debit card. The original debtor was XXXX XXXX XXXX and the debt collector is National Management Recovery Corporation ( NMRC ). I have attached a file showing the call from XXXX XXXX and the call I made directly to their number 3 minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection trans world system inc. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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:
I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : ONLINE INFORMATION SERVICE # XXXX. Also US Dept Of Education # 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 2018-05-10
Company: Experian Information Solutions Inc.
State: DC
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 recently pulled my credit report and noticed inquiries that I didn't authorize

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 2019-03-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ). Ocwen breached an existing 5 year loan modification payment plan without any warning or explanation - forcing me into foreclosure ; 2 ). Ocwen has " lost '' many of my submitted loan modification applications ; 3 ). Ocwen has denied / refused to accept my loan modification application saying " it's too late '' ; 4 ). Ocwen has placed " forced '' escrow accounts with respect to property insurance and taxes without my consent - forcing me into foreclosure ; 5 ). Ocwen has caused a wrongful foreclosure to be placed against my home where i have lived with my family for the past 19 years which has placed great emotional distress against myself and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAINE & WEINER COMPANY, 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:
This is the fourth Complaint to the CFPB about Caine & Weiner who have not address the said laws they are breaking in direct violation of my consumer rights! Illinois State Attorney General has been made aware and court proceedings will follow this fourth complaint soon. 

In accordance with the Fair Credit Reporting act Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. 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 data of an account without my written instructions. The company is falsely accusing me of owing {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

This is not a dispute for the law is the law and can not be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). I need to find out if I am apart of the settlement.

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 2023-05-19
Company: EQUIFAX, INC.
State: MD
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 submitted disputes the XXXX, XXXX and Equifax to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Company: JPMORGAN CHASE & CO.
State: TX
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:
I traded in my leased vehicle, a XXXX XXXX XXXX for a new XXXX XXXX on XX/XX/XXXX. I was able to trade it in to a dealership before my lease ended with no penalty. The dealership sent a check for the payoff to JP Morgan Chase, XXXX XXXX, who held my lease. The dealership had the address wrong and I could tell from my Chase account that the car wasnt paid off. It said I had a payment due of {$600.00} on XX/XX/XXXX, so I paid that amount so my credit would not be affected. I went back and forth with the dealer and Chase and found out the dealer sent the check to an incomplete address. In the meantime, Chase sent me a refund of {$600.00}, in the form of a check which I deposited in my bank. Apparently the dealer sent another check and Chase cashed the wrong one, which had a stop payment. They in turn stopped payment on my check that I had already deposited. The dealership sent another check and I verified that they received it, cashed it and cleared it on XX/XX/XXXX. Now, no one at XXXX knows what XXXX talking about when I call for my refund. I have called them about this matter on XX/XX/XXXX, XXXX and XXXX, and each time I have to repeat my issue. On XXXX XXXX they told me they would call me back in 48-72 hours. I received a call on XX/XX/XXXX and in the voicemail they said that anybody that answers could assist me. When I called back, they had no idea why I was calling and someone told me they could submit a refund request if I wanted. I need my {$600.00} as I have not had possession of the XXXX for more than 2 months. Chase has been paid, my dealership has been paid and I have not. I would also like to point out that Chase never told me they were stopping payment on my check until I received a mailed letter a week after.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: IL
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 have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.

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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased a toilet from the XXXX XXXX website XXXX. The cost of the toilet plus the delivery charge was {$130.00} and the charge was billed to my Capitalone Credit card with numbers ending in XXXX. 

The toilet I received from XXXX was different from the one I ordered and did not match the description, measurements, or photos. The toilet I ordered was supposed to be XXXX inches from the floor to the top of the bowl NOT INCLUDING THE SEAT. But in the photo I took, you will see that the toilet I received is 17.5 inches high and this is WITHOUT measuring the seat. Also, the toilet I ordered was supposed to be 33.5 inches from the floor to the top of the toilet tank. But you will see in the photo I took, the toilet I received is 32.5 inches from the floor to the top of the toilet tank. I did not catch the error until my plumber installed the toilet and I contacted XXXX XXXX to ask them for help in resolving their error of sending the wrong toilet. I asked for a refund or store credit but the company 's customer service agents disconnected me multiple times during the chat process and didn't return my email messages. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for the {$130.00} charge since I did not receive the item I ordered and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: TX
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:
According to the company 's data sharing policy, when sharing data with an organization based on the data subject 's consent ' they require the organization to keep a of the consent. And to provide a copy of it upon request. A the consumer may request confirmation of consent from the data furniture.

According to 15 U, S, C 6802- Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, In a correspondence to this consumer reporting agency, XXXX of XXXX, I requested proof of my consent in regards to the following items on my credit report ; The XXXX XXXX XXXX  Account number XXXX The XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX As of today, I have not received any proof that I consented to any of the above accounts to be shared, Nor was I given the option to opt out. which is also my right under 15 U.S.C 6802.

I would like to inform the CFPB that my rights have been violated. And demand the immediate and permanent removal of the above accounts from my credit report,

Company response to consumer: Closed with explanation