BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh  a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX with account number XXXX for the original creditor " JPMorgan Chase Bank, N.A '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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:
the account was paid off in XX/XX/2018, they said I was behind in XX/XX/XXXX and XX/XX/2018, ( see Complaint XXXX ). the Bad mark on Credit score came after I filed the Complaint with you, so I feel it is Retaliation for filing. At the time of Filing the afore mentioned complaint, they owed me, not the other way around.

I got finally paid by them, and they sent me an email with a XXXX Balance, but they have been harassing me since. I now get emails saying I owe them 50+ dollars, and today I got one saying that they are going to write a Charge off if I don't pay it.

I know I owe them Nothing, have Owed them Nothing since XX/XX/2018, and Account was closed before that, so there is no way I can charge more to the account.

I want their Harassment Stopped, my credit report set correct, and XXXX  for their continued Harassment.

I have XXXX, so this is causing more issues than the normal person needs to Handle, and making me take more meds than usual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital One wrongly did a derogatory mark on my credit knowing that the case # XXXX and # XXXX on cfpb was in my favor. According with the last statement I did not have to pay what they were wrongly charging me but also they gave me MONETARY RELIEF AMOUNT of {$320.00}. Even with those cases was in my favor Capital One still decided go ahead and charging me anyways and on top of that they put a derogatory mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please note that a previous complaint was filed against my private loan servicer ( XXXX ). I continue to encounter issues with the loan servicer as I have not received paper statements through U.S. mail. On XX/XX/2023, I received an email from XXXX XXXX stating my account was under review and that a formal response would be provided. However, a response has not been provided. Instead, I received a credit alert notice from XXXX on XX/XX/2023, stating that NELNET INC/NELNET has flagged my account as 30 days past due. NELNET INC/NELNET has refused to provide paper statements and communications through U.S. mail . Instead, in what appears to be a condition of the loan product they have aggressively pushed student borrowers such as myself into electronic statements, using questionable, deceptive, and possibly illegal tactics to force student borrowers to " choose '' electronic statements by accessing their accounts online. Just because a student borrower accesses an account online does not mean that the consumer wants to receive statements electronically. Instead, they have used the telephone and electronic communications to harass students for non-payment and then report the account as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: SYNCHRONY FINANCIAL
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2023-09-21
Company: EQUIFAX, INC.
State: NC
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX Balance : {$94.00}

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 explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: LA
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:
The list below was payment settled in full as of XX/XX/2022, I have disputed the balance with Equifax Credit Report. They have not update the information. I have attached the settlement letter. 
account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ashton & Weinberg, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Repeatedly Calls asking me for my credit card information and asking why I do n't pay with one of my credit card that he should not know about because the account does not pertain to me, it is for my husband. He is very very rude, and gets aggressive with me, gets angry because I do n't pay full amount and because I pay with a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2018-10-29
Company: Emerald Coast Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company responded to previous complaint. Stating that they are not reporting on my credit report due to me not being in their system. Proving they can not validate the debt. I have attached proof of their reporting and the previous complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
XXXX equifax and XXXX reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2023-09-21
Company: EQUIFAX, INC.
State: AL
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:
Im complaining because they havent showed my any documentation stating that this account is verified as accurate. The account called XXXX XXXX XXXX needs to be removed for inaccuracies meaning its a charge off reporting a balance thats one violation another violation is the reporting dates, the balances please have this From my account immediately Im trying to live a better life for me and my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Caliber Home Loans, 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:
On XX/XX/XXXX I was notified through XXXX XXXX that there was a derogatory make on my credit. I pulled my credit report and it showed that Caliber Home Loans reported by mortgage 120 days past due. My mortgage with Caliber was placed in deferment because my husband and I were affected by COVID-19. Before my forbearance period was up my home sold and the loan was paid in full. I disputed this on the XXXX website. I am closing on my new home in 2 weeks and I can not have this false derogatory mark on my credit. This is a violation of the CARES ACT! I called Caliber home loans today XXXX and spoke to a teller who informed me it was reported to my credit this way because my loan was not " caught up '' before it was paid off. I asked to escalate the issue. I was then given to a " supervisor '' who then told me they did not report it to the credit bureau. I asked again to escalate the issue as time is of the essence because I am closing in 2 weeks and I can not have this on my credit. She refused to give me to anyone. She said it would be reviewed. Again, I explained my situation and was told there was nothing else she could do. I asked over 10 times to speak to someone in credit  reporting or servicing and my request was denied. I have no other choice but to file a complaint in hopes that I can get this violation of the CARES ACT resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, It is my right to have a fair, and correct credit report across all three bureaus. I've requested my accounts to be placed under investigation under all three bureaus and there are so many inaccuracies across the board, yet they keep coming back verified. 
I am being charged off for dead accounts damaging my Dola-dates some accounts are not matching across the board. Dates are incorrect across the board. Charged off accounts are not showing zero balances that have been turned over to a collection agency. The debt collector can not update lates on a monthly basis. Reporting the debt as revolving, which is not only inaccurate but it's causing my credit score to decrease. 
According to the FCRA, section 623 a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-14
Company: Experian Information Solutions 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$7900.00}

Company response to consumer: Closed with explanation