BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CORELOGIC 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:
I am writing this complaint to Corelogic Credco. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an 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 explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/XXXX sent letters to XXXX, Equifax XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX  XXXX - {$5000.00} XXXX XXXX XXXXXXXX - {$2600.00} XXXXXXXX XXXX  - {$5800.00} XXXX XXXX - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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 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 non-monetary relief
Consumer complaint received 2023-07-21
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: Old information reappears or never goes away

Complaint:
My Experian credit report shows payments are made but I get phone calls that the payment is late. Accounts show up already in collections.

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 2022-03-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a new chase credit card in XX/XX/2022 and my application was approved on XX/XX/2022. It was understood that if I spent XXXX with this new card within 3 months I would receive XXXX XXXX bonus miles. My first statement month started on XX/XX/2022 as I stated and as it is shown on my first account statement. My first account statement was closed on XX/XX/2022 which was only 26 days, not 28 days like there is in the month of XX/XX/2022. Going forward my account statements will close on the XXXX of every month, so month XXXX will close on XX/XX/2022 and month XXXX will close on XX/XX/2022. And according to the terms and condition of my offer I'm given 3 months to complete my minimum spend and the current closing date of my account statement closes my 3 month window 2-days early on XX/XX/2022 whereas it should be XX/XX/2022. I've called Chase multiple times and no one could give me the answer why Chase is doing this, I clearly stated that I signed up knowing I had XXXX full months to hit my minimum spend, but Chase is closing my statements 2 days early which is not what was advertised nor were there anything noted in the Offer Details stating otherwise. The Offer Details state I have 3 months, not 2 days shorter than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Account information incorrect

Complaint:
I am writing to dispute the information on my credit report related to two auto loans for the same vehicle. My credit report shows that I have two separate auto loans with two finance companies, XXXX XXXX and XXXX XXXX XXXX, for the same vehicle, which is inaccurate and has a negative impact on my credit profile. 



I purchased the vehicle from XXXX XXXX and financed the purchase through them. However, without my knowledge or consent, my contract was later sold to XXXX XXXX XXXX, and they are now incorrectly reporting a separate auto loan entry on my credit report. 



I have never entered into any contractual agreement or authorized any loan with XXXX XXXX XXXX. I only have one valid auto loan with XXXX XXXX, and I have been making timely payments as per the terms of our agreement. 



I request that you investigate this matter and remove the erroneous entry of the auto loan from XXXX XXXX XXXX from my credit report. I have attached copies of relevant documents, including the original contract with XXXX XXXX, as evidence to support my dispute. 



Please provide me with written confirmation once the investigation is complete and the incorrect entry has been removed from my credit report. Additionally, I request that you update my credit report to accurately reflect my actual credit history. 



I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and I expect you to comply with the FCRA guidelines throughout the investigation process. 



Thank you for your attention to this matter. I look forward to a prompt resolution. If necessary, I am prepared to take further legal action to protect my rights and creditworthiness. 



Sincerely, 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 2023-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX until XXXX, I completed all necessary documents for a modification and was denied repeatedly for incomplete paperwork. I lost my home in foreclosure after all attempts to satisfy the Carrington Mortgage loan modification team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The loan was obtained under my maiden name XXXX XXXX XX/XX/23 - We had a used vehicle loan with BMO Harris Bank that had a payoff amount of {$3200.00} which we paid online that day. We received an error message upon submitting the payment, so we called customer service. The individual on customer service confirmed the online payment did not go through and manually processed a payment of {$3200.00} ( different amount due to accumulated interest from 1 day ). After a few business days, both payment described above were deducted from our account ( please see attached bank statement ). 

XX/XX/23 - We called BMO customer service. They confirmed that there was a double payment and that they will send us a check for the refund for {$3200.00}. We were told to call back in 4 weeks if we had not received the check. We confirmed our address. 

XX/XX/23 - We called BMO customer service three times. The first time, the customer service rep was adamant there was no overpayment. After asking him to escalate to manager, he hung up on us. Second time, the customer service rep said they do not handle overpayments and were instructed to call the dealership where I purchased the car. The third time, the customer rep told me to call the DMV where the car was registered. 

XX/XX/23 - After confirming that both the DMV and car dealership were the incorrect avenue to obtain the overpayment, we called BMO back and were transferred to the resolution department. A resolution specialist, XXXX XXXX, confirmed once again that there was a double payment. She submitted a case for us ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). She also asked us to fax our bank statement showing the double payment ( Fax XXXX XXXXXXXX XXXX XXXX ). She told us to follow up in 4 weeks if we hadn't received a check in the mail. She confirmed our address again. 

XX/XX/23 - We still had not received a check in the mail so we called BMO again. We were transferred to the loan department and spoke to XXXX. She confirmed with the account team that a check was sent XX/XX/23 but to wait one more week to call back as they want to allow for 30 days before putting a " stop payment '' and resend a new check. 

XX/XX/23 - We called BMO and were transferred to the loan department where the individual was adamant that there was no double payment.

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 monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX department, seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., revolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX  Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report

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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX XXXX XXXX XXXX XXXX XXXX  I Experian requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MI
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:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: NC
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 wanted to rent a house from XXXX XXXX XXXX XXXX with a move in date of XX/XX/2022. The address of which is XXXX XXXX XXXX XXXX NC. 
On XX/XX/2022 my application was verbally approved over the phone and they emailed me a link to pay the first month 's rent of the advertised {$1600.00}. 
I followed the email link to their website where it requested me to pay the first month of rent where I paid {$1600.00} by checking account. 
A few hours after paying I received an email link to review the lease in my email. The lease was around 40 pages long and very aggressive towards tenants rights. The monthly payment amount was higher than the advertised amount due to administrative fees and ongoing maintenance fees along with move-in and move out fees and lease preparation fees. 

The total amount for the yearly term would have been much more than they advertised so I declined to sign the lease. Beginning XX/XX/2022 I've made several phone calls to their office to request a refund since I never entered into a contract with them. 
They stated the amount I paid is non-refundable which I was never notified of. 
I also received an application denial notice in my email from them. 

I contacted my bank, Wells Fargo, on XX/XX/2022 to submit a claim and after a few days the claim was denied. Wells Fargo will not assist me in returning my money from the vendor which I feel was deceiving and scammed me. 

This is my attempt to get a refund before filing a claim in small claims court against 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.

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 2018-04-26
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My now ex-spouse and I got divorced during the divorce all the auto were to remain with her both truck and suv. She accepted full responsibility for these loan which she turned and filed in a chapter XXXX. The divorce Judge signed the agreement. The lender refused to delete the negative loan from my credit reports and I disputed showing all my legal paperwork and the CRA have yet to update. I have emailed and contacted the lender with no response. I am still being hurt from this past with her even though I have legal paperwork showing I am not to be held accountable for these loans! There are two different lenders involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with Experian and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX why would I need to talk to 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