BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: The CBE Group, Inc.
State: PA
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'm submitting this complaint in reference to CBE GROUP knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
in accordance with the fair credit reporting act XXXX Account has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NATIONSTAR MORTGAGE HAS FAILED TO CORRECTLY MAINTAIN OUR MORTGAGE ACCOUNT. XXXX 2016 REVEALED THAT THEY ADJUSTED OUR MONTHLY PAYMENT DOWN BUT UPON PERSONAL DISCOVERY LOCATED THAT THIS WAS DONE IN ERROR DUE TO THE COMPANIES ILL ATTENTION AND RESEARCH WITH OUR LOCAL COUNTY TAX BOARD TO CALCULATE THE ESTIMATED PROPERTY TAX AMOUNT. THEY ISSUED AN APPROXIMATE {$8500.00} REFUND AS A RESULT AS WELL. AFTER AN APPROXIMATE 6 HOURS ON THE PHONE TO CORRECT THE ISSUE, AN AGREEMENT WAS MADE WITH NATIONSTAR THAT US/THE CONSUMER WOULD ISSUE 2 CHECKS. 1 FOR THE MONTHLY PAYMENT AND 1 TO CATCH UP THE ESCROW ACCOUNT THAT THEY HAVE NOW SHORTED AS A RESULT OF THE ABOVE ERROR. INCLUDED IN THE OVERNIGHT PACKAGE WHICH INCLUDED THE ABOVE SAID 2 PAYMENTS WAS A TYPED LETTER OF HOW THE PAYMENTS WERE TO BE CREDITED IN ADDITION TO A NOTE IN THE MEMO SECTION OF EACH PAYMENT SAYING " PAYMENT '' AND " ESCROW. '' UPON ARRIVAL OF OUR XXXX MONTHLY STATEMENT, " NATIONSTAR '' HAS YET AGAIN FAILED TO SERVICE OUR ACCOUNT CORRECTLY AND APPLIED THE " ESCROW '' PAYMENT TO PRINCIPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: NJ
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 was not aware of any action taken towards me I made my payment for service on that day. I was not aware of any balance I immediately went to the XXXX to resolve this issue. Please me in clearing this up as this my be having an effect on my credit report as I am attempting to secure a place to live.

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 2023-06-01
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-06-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. 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 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 resonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section XXXX ( a ) states failure to investigate items in XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX : # XXXX .... has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts properly they would see that the accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021 my husband and I were scammed we tried to apply for XXXX loan. They were impersanting someone from XXXX XXXX. They didn't give me the loan right away they told me to go buy gift cards from XXXX XXXX  They didn't give me the loan right away they said you need to approve your credit score. two gift cards one for XXXX and XXXX dollars. My bank is wells fargo and we have fought so many times to get my money back. They think I authorized that purchase which they phished me to buy gift cards to get money for me to get this loan.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My XXXX loan with XXXX was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two student loans ( one with XXXX and one with US Dept of Ed ) on my credit report when I only have one loan with Dept of Ed. I emailed XXXX about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.

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 2016-07-03
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
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 reviewed my Consumer Reports and noticed that I had an account that was paid off and closed, but instead it is reflecting only closed with no payoff information or balance update. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate for discrepancies in pay off date and ending balance as well as improper reporting procedure. If proof can't be provided I demand this account be deleted off my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
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/XXXX I was manipulated to open other credit card to pay for a service that was offered with XXXX I open an American Express and used for this service and paid {$3400.00} on XX/XX/XXXX, unfortunately this service never was received and the company was sued by many people to the Federal Trade Comission, I also filled a report since I never received what they promised after I fill the report the FTC recommend me to do the dispute for the transactions with the credit cards companies I used and today I talked to American Express customer service and after talking with many representatives they told me that because have been more than a year and they can't do the dispute, this is the first dispute to this institution I made and I feel very disappointed, I paid this service with more credit cards since the amount to paid was {$28000.00} and the other credit cards accept the dispute I don't understand why they refuse to do the dispute since they suppose to cover the purchases I don't use to often this card since always request for payment, please I need your help since due to this fraud I am in debt, appreciate your attention and help to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: FL
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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief