BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

1.XXXX  XXXX XXXX Date opened XXXX XXXX Credit limit XXXX 2.XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 3XXXX  XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 4.XXXX  XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 5.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 6.XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX 7XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Original balance XXXX 8.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX $ 9.XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 10.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 11.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 12.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original Balance XXXX 13.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Original Balance XXXX 14.XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX 15.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXXredit limit XXXX Balance 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 explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX emailed me saying someone applied for hard inquiring on my credit report. Credit report shows JPMCB CARD on XX/XX/2023, I disputed it with them they said they denied them because my credit isn't good. But that's all they would tell me. It still has not come off my report and I have no idea what was applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after Friday court on XX/XX/XXXX. On my XXXX and TransUnion credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX of XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the XXXX and TransUnion ACTUALLY investigated the matter, which they did not.

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 2022-11-02
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Hello, My lease on my XXXXXXXX XXXX XXXX is up in a month so I called Ford Credit ( XXXX, MI ) and they told me that I must buy out my lease at a XXXX dealer. I can not do it through them as per their internal policy. When I went to my local dealer, XXXX XXXX XXXX XXXX on XX/XX/XXXX, they told me I had to pay a few " dealer '' fees. This included a {$3000.00} buyout fee ( but was discounted to {$2000.00} if I financed with them - even though I told them I had cash ) and a dealer fee to compensate for current market conditions. I walked away as all these fees made me uneasy. I called Ford Credit the same day and we looked at my lease agreement together and they confirmed that dealers should not be charging any additional fees. It clearly states that I should only pay the residual value plus " official fees and taxes, and a reasonable documentary fee is allowed by law ''. Doc fees in NJ are capped at {$390.00}, but this dealer wanted {$690.00}. They also wanted to charge me {$400.00} for registering my car, when it should only cost around {$150.00}. Ford Credit told me to shop around, but I really shouldn't have to. If Ford XXXX is forcing customers to go to dealers to buy out their leases, why are we running around to find a dealer willing to honor a contract? We're being held XXXX by this entire situation and I'm convinced many consumers felt obligated to pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/21 I received an alerts from XXXX and XXXX that my credit had been run on Experian by XXXX XXXX XXXX. XXXX placed a fraud alert on my account and I contacted XXXX XXXX XXXX on XX/XX/21 and XX/XX/21 and they said they couldn't find anything. On XX/XX/21 I ran my credit report on Experian and was able to find the hard inquiry from XXXX XXXX XXXX. The Experian site says that hard inquiries can not be disputed online and direct you to a phone number, XXXX, that gives you the run around and makes it impossible to actually speak the " account specialist '' they direct you to call online. They essentially make it impossible to dispute the erroneous hard inquiry.

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 2021-08-27
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 extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

1.XXXX  XX/XX/2021 2XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : XXXX. XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Avant Holding Company, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
There is disagreement over non-receipt of funds from loan applied for and approved in amount of {$6800.00} with Avant, they claim non-receipt of funds is fraudulent when I applied for loan myself, provided income information, social, etc.. The issue appears to be technical in nature, funds sent to incorrect account, Avant disagrees and insists it is fraudulent by providing a fraud packet which they claim they emailed and never received ... Error appears on end of Avant, funding incorrect account.. Regardless of fraud or not, the loan amount, {$6800.00}, plus interest will not be paid due to non-receipt and extortionate interest rate which if paid by term end, doubles loan amount to around XXXX I do not have terms available to me at this time, as I recall, the total paid would come to over double loan amount... I've checked into some reviews of Avant, mostly negative with mention of same high interest amount which they appear to charge everyone whom is approved regardless of credit score... Prior complaints were filed in regard to their extortionate rate, unresolved. Their rep, XXXX XXXX, defended their rate, regardless of credit score, nothing resolved.. Despite high rate and non-receipt of loan, payments were made and ceased due to unresolved issue with high rate and further, non-receipt of funds.. Avant replied to last CFPB complaint referring to prior contact made by myself, no mention of non-receipt of funds which is irrelevant, no further payments will be made... Avant provides number to call to make payment which as stated before in prior CFPB complaint, no further payment ( s ) will be made... Please advise Avant to accept payments already made prior as settlement, remove account from credit reporting... If not, account will fall off after seven years, all derogatory information removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2018 an unexpected charge was made to my Bank of America credit card. It was unexpected because a vendor used a card that I had not used for over a year. For the next six months Bank of America did not send a monthly statement or contact me about this charge in any way. There was no mailed statement, no phone call, no e-mail. They had all the correct contact information for me, as I later verified by phone. Over those six months {$200.00} of fees were added to my account. I would have had no idea, this was happening, except I regularly log into online accounts to verify passwords and activity. Then, I noticed the balance on this rarely used card.

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 2022-11-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ALLY FINANCIAL INC.
State: CT
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:
Bill payment in amount of XXXX made on my XXXX XXXX account on XXXX. Current balance as of today, XXXX, shows XXXX. However, the payment does not show posted yet no payment due, credit available is- XXXX I've tried to locate payment, unable to do so as well as live rep spoke with today.

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 2021-08-27
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
As a costumer from Home Depot and doing monthly payments I was charged on XXXX XXXX  a amount of {$20000.00} from one promotion that Home Depot has sent to me on XXXX if I purchase from then. 
I never did any purchase because I am paying of my balance with Home Depot. and that valor was add to my account incising my balance with the Store Home Depot. 
I called the 1800 Home Depot and spoke with the agent XXXX about those interest charges and Mr. XXXX told me that if I'm not satisfy to call CFPB and look for my rights.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX accounts have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Thank you.

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 2022-11-02
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX. I disputed the following information with XXXX, XXXX, and Transunion PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX  Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of XXXX  investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to XXXX  on what needs to be done.

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 2022-02-16
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-05-30
Company: EQUIFAX, INC.
State: FL
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:
Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: FL
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 want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please update.

Company response to consumer: Closed with non-monetary relief