BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: General Motors Financial Company, Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto payment plan set up for my lease payment though GM financial. They reported I never paid my lease payment for XX/XX/2018. I have since confirmed on XX/XX/18 that XXXX dollars was withdrawn from my checking account for the lease payment. I open a complaint with GM in regards to the matter and they said they would dispute the late payment. The late payment still reflects on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), Capital One, XXXX XXXX ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2018-01-06
Company: JPMORGAN CHASE & CO.
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:
1-On XX/XX/XXXX i opened a bank account with Chase Bank 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with chase.

3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my XXXX monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent chase and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent chase a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to XXXX on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law.

8-Received letter from XXXX that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent chase second letter attachment A5 ) with more info.

10- Chase sent letter ( attachment A6 ) refusing to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX I asked that late be removed from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 and 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 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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

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 2022-06-02
Company: Experian Information Solutions Inc.
State: VA
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 XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX  ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB : In accordance with the Fair Credit Reporting Act XX/XX/XXXX BNK, Account # 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

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 without my written instructions.

It is not my name on debt.

I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

TRANSUNION AND XXXX Lowered score wrongfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: OH
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:
Florida address shows opening a account on my credit report disputed the address on my report since Ive never lived in Florida and response to my dispute was addressed updated and changed but its still the same Florida address where someone stole my identity and opened a account in my name with this Florida address card has been closed but address still shows up on my report thats not mine

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 2022-12-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I entered into a fixed rate loan note with WELLS FARGO for {$35000.00}. I received the funds on XX/XX/XXXX. My first payment was due between XX/XX/XXXX through the XXXX, XXXX. During the life of the loan, the Lender changed not only the terms of the note, but also the specific details, such as the payment of {$320.00} is to be paid in equal amounts of principal and interest, which related to 1/300th of the monthly amount owed towards the principal amount of {$35000.00} loaned, with the apr in the truth and lending disclosure interest to be the same 1/300th of the total interest owed. The fixed monthly payment of {$320.00} was to be due in between the 15th of the month through the 25th with a late fee of 5 % of the monthly amount if received late. I made my payments per the terms set forth ; However, Wells Fargo, changed the terms to give them an unfair advantage, which damaged my credit, caused me financial loss at the closing of my home, and Wells Fargo completely washed their hands of any wrongdoing even though they were shown supporting proof that my payments were within the terms of my loan, and that for years they damaged my credit so deeply by changing it with the 3 bureaus practically every other month, that my insurance rates went up, credit rates, etc. to where I was not a good risk to refinance until I finally sold my home. I am still in disagreement to the amount that they demanded at closing from me ; they need to be investigated. I have for years dealt with showing proof to Wells Fargo and being told " too bad '', our investigation is right. Please allow me to share the unfair tactics, losses and deception involving this experience to date.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MO
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 XXXX, and 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 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose

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 2023-09-16
Company: JPMORGAN CHASE & CO.
State: NJ
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:
DISPUTE OF INACCURATE INFORMATION UNDER USC 1681B AND REQUEST FOR BLOCKING UNDER 15 USC 1681C-2 I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION CONTAINED IN MY CREDIT REPORT, AS PERMITTED BY FAIR CREDIT REPORTING ACT ( FCRA ), SPECIFICALLY UNDER BOTH 15 USC 1681B AND 15 USC 1681C-2 . UNDER 15 USC 1681B, CONSUMER REPORTING AGENCIES MUST ENSURE THAT THE INFORMATION THEY REPORT IS USED FOR PERMISSIBLE PURPOSES ONLY. I AM DISPUTING THE ACCURACY OF THIS INFORMATION, AS IT HAS A SIGNIFICANT IMPACT ON MY CREDITWORTHINESS. I REQUEST A THOROUGH INVESTIGATION INTO THE ACCURACY OF THIS INFORMATION AS REQUIRED AS REQUIRED BY 15 USC 1681B. ADDITIONALLY, I SUSPECT THAT THIS INACCURATE INFORMATION MAY BE A RESULT OF IDENTITY THEFT WHICH FALLS UNDER THE PROVISION OF 15 USC 1681C-2. TO ADDRESS THIS CONCERN, I KINDLY REQUEST THAT YOU INVESTIGATE THE POSSIBILITY OF IDENTITY THEFT AND BLOCK THE REPORTING OF THIS INFORMATION IF IT'S FOUND TO BE THE RESULT OF SUCH UNAUTHORIZED ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im receiving multiple calls from Wellsfargo XXXX everyday. Im a XXXX  XXXX  individuals which means while Im out trying to make a living theyre calling. This is getting to be stressful! I added my phone number to the do not call registry and Im still receiving calls.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 tried to fix this issue since XX/XX/2022. Nothing has been done or even the issue been resolved! XXXX XXXX XXXX XXXX ; Due to 15 USC 1681s-2 this issue need to be removed!

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 2022-12-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification that a negative report was received on my credit by credit monitoring. XXXX XXXX was reporting that I owed a debt that I was not aware of. I disputed the debt after which time I received correspondence from the collection agency that I owed a debt with XXXX XXXX XXXX I do not owe XXXX XXXX so I sent the collection agency a debt validation request via certified mail. I received notification that my correspondence was received by the company on XX/XX/XXXX. In the meantime I have a wireless account with XXXX since XXXX and that is paid timely via autopay. On XX/XX/XXXX I purchased another from from XXXX, paying in installments payments but I did not activate it because the phone is supposed to a XXXX gift for my XXXX. On XX/XX/XXXX I contacted XXXX to get another line so the new phone could be activated and to port over my grandsons number to the phone so he could have it for XXXX. I was told by the representative that a restriction had been added to my wireless account so she could not allow me to have another line, even though I have a wireless account in good standing. The representative preceded to tell me that I owed a balance ( over XXXX ) on an internet account with XXXX. I informed her that I have never had internet with XXXX. So she placed me on hold came back the phone and told me that it was XXXX for an account back in XXXX. I let the representative know that I did not owe XXXX anything and I had disputed this allegation and has received notification that they had received my certified correspondence. At time the representative got XXXX recovery on the phone. The recovery representative informed me that her records show that I owed XXXX. I once again explained that I did not owe XXXX anything and that I had disputed this charge. She asked me for the certified notification number, which I provided to her and the date of XX/XX/XXXX which was the date it was signed for and delivered. She placed me on hold and came back to tell me that there was nothing she could do because the account was closed and showing XXXX balance so I needed to contact the collection agency. Stated the restrictions was placed to prevent me from opening an account. Both myself and the XXXX XXXX representative was trying to explain that I already had an account, I was just trying to get another line in my existing account. At that time I was told the a XXXX XXXXXXXX would call me back in XXXX hours to see if they could help me. Today is XX/XX/XXXX and I have not heard anything from anyone and is XXXX of the reasons I am filing this complaint. The other reason is that I dont owe XXXX anything but they have placed a restriction on my wireless account, closed the account, wont lift the restriction but turned me over to an outside collection agency. 
I should be celebrating this time of year with my family but instead I am having to file a complaint regarding money that I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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:
On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted Toyota financial services the next day and told them what happened. Me and the insurance reached out to Toyota about the accident. During the process Toyota repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with Toyota. My score went down XXXX point despite faxing and emailing countless paper work and documents to Toyota proving that the car was deemed a total loss by XXXX XXXX  nearly a month before Toyotas false missed payment claim. Ive never missed a payment with Toyota ever. XXXX and I have evidence of Toyota cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. Toyota recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, XX/XX/XXXX. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when Toyota associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX XXXX  a month prior to their false late payment claim. This has been one the most stressful process of my life.

Company response to consumer: Closed with explanation