BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-06-14
Company: JPMORGAN CHASE & CO.
State: TX
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:
Chase did not issue a free night certificate to my account as promised in the letter attached. XXXX XXXX from their MO Customer Service promised the second would be deposited within 8 weeks, but another at Chase claimed otherwise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Credit Karma, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had set up my tax refund to be deposited directly into my XXXX checking account, someone got into the account while my funds were depsoited and used my virtual debit card, after which I had closed the card and opened a new card but they turned around and denied my claim when they never even investigated it. My card was used fradulently and they are denied my claim. The charges disputed were clearly fraud as I myself have confirmed by contacting XXXX XXXX and other merchants that charged my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID
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:
To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX : {$4300.00}

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 2021-03-16
Company: ClearOne Advantage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
So it will all start with my debt and deciding to go through a debt relief settlement company who also went through XXXX XXXX XXXX I always talked to the XXXX XXXX XXXX people it seemed like. So I set automatic bank withdrawal payments and through my account with them promising to lower my debt and be debt free in 48 months. So they set up an account with funds prior to any settlements it was at least XXXX a month. Then they started settling with companies or negotiating and would calle back adding another XXXX to XXXX on to my monthly payments o ended up having to drop out of the debt relief program because I couldn't afford the outrageous money they wanted monthly from me. At that time they told me not to talk to the creditors and they would do all the negotiating I never received any paperwork for anything. Long story short when I cancelled I never got my money back and I went so long not paying or talking to the creditors that now I feel my only option is bankruptcy. I feel like I was mislead with always being asked for more and more money to the point I couldn't afford it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, i send in my request to the three credit bureau to have some of my stuffs on my credit report removed. i send my request XX/XX/2023 but these date i havent recieve anything. Most of the informations on the reports are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to retrieve my credit score from this company for about a month and a half now. There has yet to be an update. It is showing it is unavailable upon signing in to the online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I need your help. I bought a XXXX XXXX XXXX in XXXX. My salesman told me that it comes with a XXXX warranty. My transmission went out yesterday. My mechanic told me this make of car has been having transmission problems for years But my salesman told me it's a great car and deal. Should he have mentioned the transmission problem with these cars? I was just looking through my paperwork and he charged me for his so called warranty but it's a service contact. He time it's included. Also last year I had problems with my brakes, oxygen sensor, and engine stalling for no reason. When I went to the service department I was told my warranty expired and it's not covered. But I service contract covers this. That was illegally added to my loan. They took advantage of me cause I'm a woman and a senior. I want all my money back I spent on repairs and for illegally adding warranty charge to my conract. I also want to return the car and get all monies paid on car to Santander financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX  XXXX account report 4 missed payments in 2020 XXXX  XXXX XXXX reporting 1 missed payment all inaccurate XXXX XXXX XXXX  showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance

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 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
On Tuesday, XX/XX/XXXX Capital One contacted me to report that a fraudulent charge was put onto my account. They said they would send a new card to my address ; however, they sent the new card to an address in XXXX. I live in XXXX. The person who received the new credit card immediately used it to make about {$9000.00} in purchases at a XXXX in XXXX, XXXX. We reported this situation immediately on Saturday, XX/XX/XXXX. At that time, the representative said we would be sent a new card and that the fraudulent charges were pending and would probably not be processed. However, they were processed. It's Tuesday, XX/XX/XXXX. We have not received our new card and the fraudulent charges are still on our account. A representative I spoke with at the company said it could take between two to three days to clear this up, but it could also take anywhere between 30 to 90 days to clear up. This is not acceptable. We need our credit card -- just as most people do -- to make daily purchases. 

Capital One is entirely at fault in this matter. Whatever verification process they use failed. I've had this account for over 20 years, yet they sent a credit card to the wrong address. Once the card was received, it was used immediately. Not only does this feel like a mistake, it's beginning to feel like a crime was committed by employees at the company. My wife and I have experienced extreme stress due to this situation. Whatever you can do to hep us would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, 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 Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: WA
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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: 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Insurance paperless account was not paid as I had already had it running Bank of the west was my banker changed its name to BMO. When I changed my debit card from bank of the west to BMO .the bill paying accounts were met .so was involved in a auto accident and when i reported it informed didn't have insurance policy cover already before and working smoothly now when had failed me this the most .So when calling my insurance to inform or find out why I wasn't covered and what had happened they advised me that there records showe that came and then was with drawn leave me know choice but the call the BMO bank responsible for my smooth running account not properly leaving the money that would be saving my altercation and my proff of insurance All that that stands for when in a accident! And my going to be held guilty for the accident as Colorado law states uninsured motorist held guilty .Thank you for being patient

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 2023-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has violated FCRA and has been incorrectly reporting information on my credit report. I have disputed this information multiple times and each time Equifax has improperly investigated my claim. I have attempted to call Equifax multiple times and their system does not allow you to speak with an individual. This in and of itself is a violation of FCRA. You can't report incorrect information and then not provided access to your agents to those you are impacting. For XXXX years, Equifax has reported a charged-off account as past due each month. It was reporting the same account as both charged-off and past due at the same time. Once an account is charged-off the debt is written off by the creditor and there is no longer a past due amount. The account is simply charged-off. You can't have two account status simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX Reported a Contractual Dispute as a " Loan More than 90 day 's late '' All payments to XXXX were made via Auto Pay collect the XXXX of each month by XXXX. 
After many complaints to XXXX about lack of cell service in my areas and lack of credit where due as per contract. Nothing was ever taken care of by XXXX. I was forced to leave XXXX and went to XXXX XXXX XXXX on XXXX XXXX. 
XXXX filed nonpayment 's complaints 5 months later on into XXXXXX/XX/2023 for {$490.00} an amount subject to Arbitration '' as it is an " Contractual Dispute '' Not any type of Loan nor any type of late payment. 
XXXX failed to credit {$500.00} trade in phone amount, failed top give as agreed {$350.00} Visa Card, Failed to credit back account for the charges of a XXXX XXXX XXXX XXXX XXXX. all this were promotional items, Them also the XXXX coverage was next to none at my own home, XXXX, CA XXXX miles XXXX XXXX XXXX, CA, bad or none in XXXX XXXX CA, none in XXXX, CA, very poor in XXXX XXXX, XXXX XXXX XXXX. I was not able to continue with a company that clearly was failing to provide even the basic of service. Now they further rub salt in the wound as to file charges against me in my stellar credit reports of many excellent on time never late payments,

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 non-monetary relief