BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-04
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was sold to BSI financial as of XX/XX/XXXX. I tried to make my XXXX payment with BSI ( first payment with them ) I made an online account and right off I see it says 61 days late. WHAT!!?? This is my first payment to them. I havent been with them 61 days. My last payment was to my old Mortgage lender. Due to this 61 day late thing I was unable to pay my payment. So first thing Monday XX/XX/XXXX I call they are closed. First thing today I call only to be put on hold for an hour then hung up on. I call back and had to leave my number. Finally at XXXX I get a call back from a very rude lady hacking up a lung on the phone who says she is unable to take my payment and there is nothing she can do on her end with the payment and the false information on the website. She stated she will email somebody and will get back to me. I demanded to be attached to said email and she stated NO very rudely. So again I demanded to be emailed something stating I called to make a payment and they refused to take it. She got upset but agreed. I have yet to get said email and worried from the reviews about the shady stuff this company has been doing this problem will get worse before better. All I want to do is make my payments and have corrected information posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I have a Chime Bank XXXX XXXX secured credit card. This card is supposed to have a secured account that will automatically pay off your balance from that and you can just add money. However, the card was reported as not paid several times and the balance was reported as the entire usage of the card but it never had a balance after the statement since it was immediately paid by the account. I had previously complained that the account was being misreported months ago and this month really gave me a kick to the gut since the card has caused my credit score to drop from above XXXX to almost below XXXX, with a drop of XXXX points this month. I complained to Chime, who told me it was correct, which obviously it could not be correct because they were paying it automatically the day after the statement. After their terrible support finally fixed the errors my score only went back up XXXX points. So I just got completely screwed by a " credit builder '' that actually damaged my credit score. I truthfully do not even know how to recover since I am having a hard enough time removing these trash collections from having my identity stolen. They make a mistake or lie about reporting and it irrecoverably damages my credit, I have to spend years to rebuild those few points now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report

Company response to consumer: In progress
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXXBalance {$750.00} ; XXXX & XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX, XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, 2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021, I submitted a written request to XXXX, Transuion, and XXXX asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, Transunion, and XXXX must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, Transunion, and XXXX is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : 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 Please list my address as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please list my job as the following : XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. 

I have attached all letter that were sent to XXXX and also follow up letters that were sent to them as well with certified receipts. Please

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 2021-12-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX. XXXX XXXX received and processed my payment. They misapplied it to my XXXX statement. On XX/XX/XXXX they reported me 30 days late to the credit bureau. Not only was is not late, the account was put into bankruptcy in XXXX and should not be reporting to the credit bureaus, as all payments are voluntary. On XX/XX/XXXX they put the XXXX payment back to where it belonged, bringing the account current- but the damage had been done to my credit. 

I called XXXX in XXXX when I saw misapplied reversal on my statement- they told me it had been handled. Clearly it had not. XXXX is now telling me I should dispute this with the bureaus. They are clearly in the wrong. They have misreported my payments, reported an account in bankruptcy, and caused my cresit score to drop significantly.

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 2021-12-21
Company: JPMORGAN CHASE & CO.
State: MD
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:
XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

Per XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the representative that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I walked into XXXX XXXX with the intent to exercise my rights as a consumer. I filled what I thought was a consumer credit application and was coerced to put {$2000.00} down cash, no insurance included, and statements sent through the mail for the collection of a loan i had no idea of. Im aware that Truth In lending specifically states the finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a downpayment of cash involved. Insurance wasnt included and all sorts of fees were outside of my finance charge, which is a violation of Truth In Lending. I paid cash and have proof attached. These two corporations and its employees effectively worked together to deprive me from my natural rights as a consumer. WELLS FARGO employees of XXXX XXXX completely had me believe this was a consumer credit transaction. I had no intent to walk out with a loan and harassment through the mails. WELLS FARGO & XXXX XXXX created a false & deceptive loan. Harrassed me through the mails attempting to collect on this alleged debt. WELLS FARGO sent me correspondence in the mail with logos inside and outside showcasing this alleged debt to neighbors, one of which is threatening me with repossession on XXXX. It stressed me out and cause serious mental trauma and on XX/XX/21 my worst fear happened as an associate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX came and took my property away from me on XX/XX/21. My life has been ruined by this and i have no means of transportation. I cant see my daughter, get food, and take care of every day things. WELLS FARGO has no present right to possession of the property claimed as collateral through an enforceable security interest as I have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. I've tried several times to stop the harassment and threats via mail. They have yet to respond to my letters I've sent. I really need help from the CFPB & Attorney General to get this corporation to respond appropriately to my affidavits.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: In progress
Consumer complaint received 2021-12-18
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 information incorrect

Complaint:
Transunion, XXXX, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by XXXX XXXX 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I a collection from a company called XXXXance and Huffman LLC was opened in the amount of XXXX. I do not own this debt and, needless to say, it is effecting my credit rating of my XXXX report. I would of course like this to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$690.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
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 been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.

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 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA - ****** Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE BANK USA N XXXX XXXX Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE - ****** Opened Date XX/XX/2008 Balance {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
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: Reporting company used your report improperly

Complaint:
I Currently have a few fraudulent accounts in inquiries appearing on all three of my credit reports.

Company response to consumer: Closed with non-monetary relief