BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: CORELOGIC 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:
Between the dates of XX/XX/XXXX - XXXX, XXXX three unknown inquiries were made on my XXXX credit report. These inquiries included XXXX XXXX XXXX, Corelogic Credco, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to XXXX to have the inquiries removed. Several calls were made to XXXX who explained that the companies must provide notice of no accounts. Calls were made to the companies. One of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending XXXX to remove the reporting. One company Corelogic has failed to respond to attempts for assistance. XXXX explained that XXXX   must initiate this fraud inquiry. XXXX  says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with XXXX online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that XXXX actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to XXXX in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These three false and inaccurate inquiries remain on my credit report going on 2 years and no one seems able to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
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 review the enclosed documents. I'm requesting that the bureau initiate an inquiry into these accounts, which I have never been behind on, yet they are erroneously reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
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 USC 1681.

Acct XXXX XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct # : XXXX Acct : US Dept of EdXXXX Acct # : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-04-04
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: Their investigation did not fix an error on your report

Complaint:
Dispute letters were sent to the credit reporting agencies regarding accountXX/XX/XXXX XXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive one call each day from Portfolio Recovery Associates. LLC. If I answer the telephone they use questioning techniques to gather information, and will not provide information about my supposed debt without answering all their questions, including my employer and spouse.

Over a year ago, I told them not to call me. They said I would have to send a letter. I have sent 3 letters since XX/XX/2020. I sent them to the address they gave me : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX The calls have never stopped. Recently one of their debt collectors laughed when I told him that, and said, " Maybe you should just pay your debts.

What can I do to stop these people from harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I did a consumer credit transaction with JP Morgan Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

I filled out a Credit Application with JP Morgan Bank They did not approve me but I have the credit not them JP Morgan Bank A National Bank Part Of The National Banking Associate National Bank Act does not authorize JP Morgan Bank to lend credit Title 12 U.S.Code 24 sets forth powers of national banks.

Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another.

In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669.

I use my federal credit card information on the credit application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I received a notification from the credit bureau that my payments are past due with Wells Fargo. I know for a fact that I always made payments ahead of time. However, when I asked my wife if she has received any credit card statements from Wells Fargo, she informed that she has not received any statements for quite sometime. As a matter of fact she said, we only received about 4 statements since the inception of this credit card. I contacted Wells Fargo customer service and informed me that my case has been transferred to Wells Fargo collection. I am confused because I never received any phone call or letter from Wells Fargo collection. And yet the first I am hearing of a past due account is through a credit report. Wells Fargo never communicated with me to rectify this problem. When I brought this issue to the customer service and also to the collections person, they just did not care. As a consumer I am expected to be perfect since this affects my credit report. However, I also expect Wells Fargo to respect my right as a consumer and send me my billing statement and give me a chance to fix the problem. Unfortunately, Wells Fargo never respected my right as a consumer. I paid the total amount already which will be received tomorrow. I worked hard for my credit score. Hence, I am requesting CFPB to assist me in removing that past due on my credit report since I never received my credit card statements nor was I informed of a past due amount.

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 2023-02-09
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received two credit hits in my report from the Company Credit Control Group for the following alleged amounts ( which I do not own ) and I am requesting proof of debt if they are taking the liberty to write to the Reporting Agency : 1. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$300.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX  Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$230.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX Street address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX This is inaccurate reporting and needs to be removed immediately from my reports. Please send me a copy of my credit report when the above deletion has been done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, 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 information incorrect

Complaint:
i have been writin the credit bueaus for over a year, XXXX, XXXX equifax is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX, job. I have never lived at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX they have XXXX bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NJ
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.

The letters are stated with items and issues.

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 2021-02-16
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex girlfriend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXtook my social security card and State Id and opened a XXXX XXXX account and received a capital one card overdrew them all in the time we had broke up and I was XXXX  I was in XXXX XXXX XXXX  XX/XX/XXXX I didn't get out until XXXX of XXXX for a week then I was in XXXX XXXX XXXX  for a XXXX  XXXX I just got out XX/XX/XXXX I had no access to any of my stuff at these times no permission was granted for any accounts to be open I am sending proof that I was in XXXX and any additional documents that are needed I can provide

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Equifax : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Equifax : XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2021-03-08
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank. 
Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding an unknown account on my credit report. It has been over 60 days and I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) of the FCRA plainly states that failure to investigate items within 30 days gives reason to immediately remove inaccurate items from my credit report. It has been over 60 days so they should be deleted promptly.

I demand these items be deleted immediately or I will be forced to file for litigation due to the stress that has been caused as a result. My information was impacted by the Equifax data breach and ma
y have gotten into the wrongs hands as a result.

I would be greatly appreciative if this manner was handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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 noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX2021, XXXXXXXX,XXXX.2021, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.

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