BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AZ
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 the following accounts have violated my rights : XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX 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 2022-05-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted by certified mail to XXXX, Experian, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX XXXX Track # XXXX Experian Track # 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 2023-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i keep getting an error that states " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. '' i have been denied an auto loan by a credit union and a personal loan by a different institution because they haven't been able to verify my identity because they cant access my credit report from equifax. 

i contacted equifax by phone over a month ago and they sent an email to the technical team but nothing has been resolved. i hace called the call center again and they told me that there is nothing they can due till the issue is resolved. this is affecting my financial well being and i am in the process of contacting a consumer law attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: T.S. Holdings
State: MS
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: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX I was a victim of fraud due to my apartment complex managers email getting hacked. This happen at the beginning of covid I received an email from apartment mangers email stating due to COVID and California being on shutdown all rent payments where to be sent to wiring information that was sent in email with XXXX XXXX XXXX letter head attached. I made rent payments to the wire information. I later found a month later that it was a scam. I tried reporting issue to my bank they said they were unable to recover funds due to it being a wire. I have been in a debt with property management company for a few years now. Debt was in collections I filled dispute and it was removed. Now they have sold debt to new collection agency which whom I have never done business with and they are charging me interest on top of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-09-04
Company: Genesis FS Card Services, Inc.
State: WA
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:
On XX/XX/XXXX, I disputed this credit card issued by Genesis FS Card Services. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through XXXX, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with XXXX, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within XXXX calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. XXXX stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Original creditor, {$2000.00}. I C SYSTEM Last reported XX/XX/2022 This bill is reporting on my credit report. I have asked this company to provide me the documentation with my signature, phone ID and, social security card/number verification. I have not ever purchased or access a XXXX  phone line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my experian and clarity by experian providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.

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 2023-05-08
Company: Mr. Cooper Group Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a costumer of Mr. Cooper a mortgage company for about XXXX years now. 

I did not receive a notification about how mr. Cooper was gon na raise my mortgage due to escrow. 
And since I dont pay online due to the unreasonable chargers of paying with a card I like I have for the past XXXX years mailed in a check of the amount that I have been paying for the last couple years. 
After I was made aware of the fact that mr. Cooper since has raised my mortgage payment. I sent the additional money instantly to the mortgage company. So I did not miss a payment. But I was short on XXXX of my payments. And as soon I heard about it I sent them the difference. Not thinking nothing of it and thinking it was handled. Mr cooper then proceeded to report to the credit bureau that I missed a payment while my difference of payment was in motion to them. And that report knocked down my credit XXXX total points and now put me in a predicament to be homeless because now I can not qualify for the house that I am in the process of buying. 
Due to the fact I have already invested XXXX money into the house I was planning on buying I need this corrected as soon as possible. Please help me out because I have been trying repeatedly through emails and phone calls to get in contact with someone at mr. Coopers credit team and I havent had any luck. This process of trying to contact them has been a XXXX week period and still have yet to have any information about being helped out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: World Acceptance 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX You are in direct violation of the fair credit reporting act ( XXXX world finance XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you in direct violation of several laws under the fair act credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$4000.00}. All of the three credit bureaus were provided inaccurate information. I sent a debt validation letter to Jefferson Capital on XX/XX/2023. The FCRA gives the company 30 days to respond. However, I never received a response back. Jefferson Capital continued to report inaccurate information to all three credit bureau as of XX/XX/2023 without validating any ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}

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 2022-10-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal is holding my account and will not allow me to remove my remaining funds from my account they accused me of fraud but had no proof what so never of it.

They will not release my remaining funds ( I have banked with Navy Federal for years until earlier this year ) I think I am being discriminated XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

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 2022-05-20
Company: Asset Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  company keeps calling me not my debt they have been advised of yhis on a number of occaions but keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

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 2022-02-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Do not recognize inquiry from Capital One and XXXX on my XXXX credit report. Contacted the creditors and was instructed to dispute here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX  account Wells Fargo card services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were several unauthorized charges made to my account. That I disputed with Chase Bank dispute department. Charges that were temporary reverse charges. Then later on recharge my account. Without any explanation as to how Chase investigation department found theses charges to be mine. Its been a long going issue with Chase Bank and their unfair practice towards their Customers. When it comes to disputes on unauthorized charges. Leading me to now seek legal actions against Chase. Im filing this complaint to show proof that I attempted to resolve this matter with an outside agency. The dispute dates Im filing this complaint about are XX/XX/XXXX for the amount of {$100.00} ; XX/XX/XXXX for the amount of {$66.00} and XX/XX/XXXX for the amount of {$41.00}. All disputes were denied without any explanation as to how they founded these charges to be mine. Chase also charged my account a {$34.00} for an overdraft amount of XXXX. When I asked for them to reverse it. Because I forgot to transfer funds from my other to cover the overdraft amount. My request was denied. This bank is beyond horrible. The fact that I still bank with them is depressing.

Company response to consumer: Closed with monetary relief