BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company is saying i owe XXXX from 2016 which is pass the statue of limitations, also i currently have XXXXXXXX XXXX and home service i have a XXXX balance there is no way this is my account. i asked them for proof this was my debt they never sent anything just continue to call and harrase me. if they cant proof this is my debt orginal copys these needs to be removed from my credit report. i have already been a victim to id fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed for a " Chase Offer '' that stated I would receive " 10 % back on your XXXX XXXX purchase with a {$21.00} back maximum! '' After seeing this offer, I made a online purchase of {$210.00} for three pairs of shoes from XXXX assuming I would receive {$21.00} back, as per the offer I accepted. A pending charge of {$210.00} appeared on my account on XX/XX/19. On XX/XX/19 a pending credit appeared and on XX/XX/19 and XX/XX/19 three individual charges from XXXX totaling {$210.00} were posted to my account. 

XXXX a single credit of {$8.00} was posted to my account. This was 10 % of one of the three individual charges. On XX/XX/19 I sent a secure message to Chase with images of ( 1 ) the offer ( 2 ) the single order I placed with XXXX XXXX, ( 3 ) my account activity showing the original charge and credit. I requested the remainder of the offer to be credited to my account. On XX/XX/19 I received a reply from Chase stating " I reviewed your account and the information sent. I understand that you purchase the item together totaling the {$210.00} but it look like the merchant was not able to send all the item at one time. The offer is valid one time offer and applies to the first purchase posted. '' I followed this up with a telephone call but the agent indicated he couldnt help me and nor could XXXX XXXX as they wouldnt be aware of this offer. If XXXX XXXX had not split the charge I would have received the full 10 % back ( up to {$21.00} ). 

I am asking for your assistance in encouraging Chase to honor the offer they made and I accepted. It was not in my control how XXXX XXXX decided to ship and create this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1. I obtained this card from BBVA on XXXX, XXXX  2. the card was blocked about an week after I used it, then I called BBVA several times, each time, I was told there was some system issue with the bank so I was asked to wait. 
3. about on mid XXXX, I was still not able to use the card, so I called again, and was told there was some suspected fraud activity and I need to contact fraud department. 
4. I called the fraud department after on hold for one hour, then finally reached some one, who has requested me to go to local brand for verification, which I deemed too risky during the pandemic, then the agent contacted her manager, and asked me to send a selfie picture with ID, which I promptly sent it the second day.. 
5. After two weeks, I am still not able to use the card, so I called again then I was holding for another hour, then I was told to wait until someone reaches me. 
6. Now it has been an month since I send in the picture, I am still have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: AZ
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  should not be reporting to XXXX ; Experian and XXXX a collection/chargeoff in the amount of {$450.00} on the XXXX AUTOMATED COL partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX and XXXX XXXXXXXX to remove this however, I have not been successful.

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 2023-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: KY
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:
Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL

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 2023-01-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2023-01-14
Company: JPMORGAN CHASE & CO.
State: IN
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:
XX/XX/XXXX I called Chase Auto to make a payment and change my due date. The person I spoke with said once I pay they can change it. I paid online {$800.00} and some change. Then they said they will change the due date. The app online shows I am caught up on payments, however I got a phone call saying I am behind and have to pay {$1600.00} by XX/XX/XXXX. I did not understand why so I contact Chase again and they said the XXXX payment was reversed, however it never went back into my bank account. I also went to Chase Bank and they said they cant help because its an auto issue. So then contacted the Auto center again and another person said I was caught up and good to go. I waited and was going to make my XXXX payment. Then my bank account shows they took out {$1600.00} without me being on autopay or asking. They just removed the money XX/XX/XXXX. My bank account was negative and then the next day positive because the payment reversed for insufficient funds which I told them I dont have the money. Then it came out again and caused my account to go negative again. So I contacted them again, this time another man looked at the deposits on his end and said that they payments were messed up and hes sending it to the higher ups to look at because they messed up. My payments werent going towards any principle and he shows I made my XXXX payment but they have it to where I didnt and wanted me to pay for XXXX and XXXX. So now me and my co-signers credit is messed up because they are trying to repo the truck for being XXXX days late even though its only XXXX days and they still havent fixed the issue. We faxed over all the documents the guy on the phone asked for so he can get them to fix it but they are saying they are going to repo the truck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to bring to your attention an issue I have encountered with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following inaccurate details, but as of today, I have not received a response. I am providing the specifics of the inaccuracies and the necessary corrections below : The account labeled " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) requires further investigation due to incorrect reporting. The reported balance of {$390.00} appears to be higher than the balance I recall. Additionally, your agency has marked this account as closed, so the past-due amount should not be included. I believe it is imperative to address this misleading information directly with the creditor. I am prepared to take appropriate action, but I kindly request that your agency mark this account as disputed while I seek resolution. 


The following account, listed as " COLLECTION '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}, Original Creditor : XXXX  ), is not mine. I request the immediate removal of this account from my credit report.

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 2023-01-26
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My account went into collections. The debt collector is not allow to collect debt in the state of NC. I read that it is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX at XXXX I am responding to your contact about collecting a debt. You contacted me by email on XX/XX/XXXX and identified the debt as owing {$1300.00} to XXXX at XXXX. I do not have any responsibility for the debt you are trying to collect. This is not my debt and I do own no ownership of it. Please stop all communication with me via email, phone or otherwise, and record that I am disputing any obligation for this debt. If you attempt collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

They have been calling for months after I sent letters again in XX/XX/XXXX. I now have the debt listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: DC
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 have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which Equifax and XXXX did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 A 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! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent letters to Experian to have inaccurate information from my credit report removed. They have remove a few things, however, there are addresses that should be removed. These certified/return receipt letters there sent XX/XX/XXXX &XX/XX/XXXX. Stating according to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes and they can not verify the information they must delete it. I want to invoke my rights to dispute and have them fined. This is not right. 
Items not deleted were addresses. 
Experian Dispute by MaiXXXX XXXX XXXX XXXX XXXX, TX 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 2021-12-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangements. However the bank has charged me late fees and charges on my loans, has reported me as not current to the credit bureaus and has started moving the properties to foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2700.00}

Company response to consumer: Closed with explanation