BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Bridgecrest Acceptance Corporation
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought this vehicle from XXXX on XX/XX/XXXX I was XXXX and went to XXXX  XX/XX/XXXX and got out XX/XX/XXXX I contacted the bank immediately and tried to make payment arrangements they said that they wrote off the debt as bad there and that I could no longer make payments on the loan. I know there was no right to cure sent to my address I have Usps informed delivery and I have went though every day looking for it. 
The car was eventually repoed since they refused to work with me and again I did not get any notice of intent to sale or right to fix transactions. 
When I called about the car they said they sent a certified letter of intent to sale to XXXX XXXX XXXX XXXX XXXX Iowa. This is my grandmothers house and she has received no mail for me she has lived there for 50 years and gets her mail daily. 
lastly the vehicle was sold for XXXX thats a rough figure I just seen that amount drop on the balance on my credit report. According to XXXX the cars value was well over XXXX to XXXX and if you take into the damage on the door it would take it to XXXX to XXXX so they also didnt get fair market value by XXXX to XXXX. I paid XXXX So we have several violations of Iowa state law. 
No right to cure was sent. I can prove that by proving Usps mail emails. 

No notice of intent to sale the vehicle was sent. I can prove this with my grandmothers affidavit when I asked for the tracking number for the certified letter she couldnt find it. 

Lastly the vehicle was not sold in a reasonable matter. Way under value. 

Also Im still waiting on the bill of sale and my property which I requested from the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-07-09
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:
On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three XXXX, Equifax, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX  {$18000.00} XXXX XXXX {$46000.00} 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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I find it disheartening that you keep claiming an account to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete this account .It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at my attachment as proof you can see that is not accurate and consistent. The account in question are XXXX XXXX XXXX. Here is the inconsistencies. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. I have attached a document that list all 3 credit bureaus side by side that clearly show that you have not properly verified anything. Please review.

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 2022-07-09
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 following addresses and phone numbers have violated my rights. 

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 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 15 U.S.C 1681 section A. States I have a 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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently had XXXX fraud inquires removed from XXXX  in XXXX and they still are posted on Transunion though? i tried sending a letter letting them know that these accounts were fraud and they couldn't be authorized. even called to let them know another bureau saw the same and took them right off. please remove them as they are affecting my report with accounts that arent even mine. 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 explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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 status incorrect

Complaint:
I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXXXXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, Experian ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.

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 2020-12-17
Company: CURO Intermediate Holdings
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a XXXX loan from speedy cash back in the end of XXXX or very beginning of XXXX. I owe them XXXX. The problem is they changed the date and made it so its current and looks like I just took it out saying it happened this month of this year. That information is obviously incorrect and needs to be corrected and from what i understand they cant change the date like that to keep it looking current. I have three things on each credit report snd this is on all of them and needs to be taken off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: NV
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:
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 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 Chelle noght 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 2020-12-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a desperate consumer and I need to get a fair solution to this issue. I am submitting this complaint because I am being extremely affected by JPMORGAN CHASE BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

In XXXX of this year, I attempted to combine 2 of my JPMORGAN CHASE BANK business card limits into one account. 

I called JPMORGAN CHASE BANK and with the help of the phone representative I was able to close my Chase business account ending XXXX and transfer the available credit limit to another other card ending XXXX, thereby increasing the limit on the open business card ( combining credit limits ). 

Once the account ending XXXX was closed it was removed from my JPMORGAN CHASE BANK online profile and I was told the account was paid off and closed. 

Weeks later, Chase calculated there was an extra interest payment due, which I was unaware of at the time. Because card was closed, I couldnt see the account online and see if there were any new charges. 

Moreover, it was on auto pay before and that too was cancelled. It was around a {$20.00} interest charge. 
They reported me late for XX/XX/XXXX and XX/XX/XXXX! 

JPMORGAN CHASE BANK claims they were mailing notices, to an older address of mine, I have not lived at in years. Moreover, I was travelling at the time and every time I logged in Chase did not show me anything about a past due account. This is completely unfair and is a negligence on Chase side. 

Information Account : Balance : {$0.00} Credit limit : {$500.00} Opened : XXXX. XXXX, XXXX I WANT TO GET THE ACCOUNT REMOVED FROM ALL 3 BUREAUS OR THE LATES TO BE CORRECTED ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
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 status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, XXXX and TransUnion are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.

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 2022-07-09
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00}

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 non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof

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 2020-12-21
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: Was not notified of investigation status or results

Complaint:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: SC
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 have asked for a signed document showing that I have a student loan for {$9600.00}. When I look at my FAFSA profile, I have no loan posted for XXXX XXXX XXXX XXXX  The student loan is reported to my Equifax Credit Report. I have tried reaching out to the school, credit company, and FAFSA. When I spoke to the representative at FAFSA, I was told that I do not have a student from what they could see for XXXX. I have called XXXX on several occasions and no answer from the school. Equixfax keeps reporting the loan with the account number XXXX with an open date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank sent me a promotional offer, promising a 1 % bonus on new money transferred into a savings account. I met all the requirements and was approved for receiving the bonus on or before XX/XX/2023. They have still not paid the bonus 5 weeks later. I have spent at least 6 hours talking and chatting online with agents and supervisors. Apparently, there are a huge amount of people like me who were promised money and have not received it, so they keep telling me to be patient and that I will receive it eventually. I am feeling like Ally duped me into sending them a large part of my savings and are using my money to make more money without fulfilling their commitment to pay the bonus they promised for using my money. I dont know what to do to resolve this issue-please 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 monetary relief