BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

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 2023-05-14
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: Personal information incorrect

Complaint:
There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is 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 non-monetary relief
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: IN
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 contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX   XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX  was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions 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:
According to the Federal Credit Reporting Act, Experian is requited to only list factual information. Any information that is not factual must com off your credit report. Experian list the following unfactual information. 

XXXX XXXX XXXX- Status date is incorrect. Late payments is incorrect. Please remove XXXX XXXX-Status date is incorrect. Please remove XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX  XXXX XXXX ( 4 tradelines ) -You can not have a 120 day late payment 10 months in a row. Please remove. 
Office of the Atty Gen-I have never been late and my balance is XXXX Dollars. Please remove. 
XXXX XXXX Past due amount is incorrect, late payments is incorrect and original loan amount is wrong/ XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove. 

I request for every item that you provide me the information that you receive in order to verify that you have indeed look at the information given to you and this is is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and noticed the initial loan amount being reported on my car loan was significantly less ( XXXX ) than the amount I actually have paid for my vehicle. I began to think that the car dealership or Chrysler Capitol might have overcharged me or committed some type of fraudulence in charging/reporting the price of the vehicle and what I have paid on the vehicle. Also, I recently discovered the XXXX XXXXXXXX XXXX sold to me had been used as a rental vehicle. I was never told this information, and I was lied to about the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2008 Balance : {$49000.00}

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 2021-01-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, a purchase of {$310.00} was made at XXXX XXXX XXXX  XXXX in XXXX XXXX, FL on my Comenity XXXX XXXX XXXX credit card. Due to COVID-19, customers were not allowed to try on items in-store. Customers were instead informed to purchase items and return items they could not wear within 30 days. On XX/XX/XXXX, I attempted to return the items that did not fit with the original purchase receipt in-store ( items were intact, unused with tags in original condition ). 

Per customer service agent, I was informed that the merchant had filed for bankruptcy 2 days prior, and I could only be provided with a store credit ( in the form of a merchandise credit card ). Although displeased with this outcome, I accepted the card with store credit to the amount of XXXX. When I attempted to use the merchandise credit card on-line for a subsequent purchase in the amount of {$190.00} on XX/XX/XXXX, the pin code did not work. I purchased the items using my XXXX XXXX XXXX store credit card instead. I had previously attempted to use the card online as advised after my initial return on XX/XX/XXXX, and it also had not worked at that time. 

I contacted the merchant to refund my {$200.00} on my Comenity backed, XXXX XXXX XXXX store credit card as the merchandise credit card did not work. A dispute was filed, but I have not received follow-up as to the result of my dispute nor has my money been refunded to my original store card payment method. I still possess the merchandise card which should have the full balance of {$200.00} as I could NOT make purchases with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 a vendor in our neighborhood initiated an unauthorized charge against our Chase Bank VISA card. We became aware of this when several neighbors within our HOA reported the same charge from a local gym closed down due to COVID-19. When we called Chase Bank and reported the fraudulent charge from XXXX XXXX, we were told that it would be removed because the same vendor had tried to scam other cardholders. However, the following month ( XX/XX/XXXX ) the same charge appeared and we confirmed that the prior one had not been removed. Unable to convince the card company to reverse the charges that they had already ( falsely ) claimed to have reversed, we indicated our intention to close the card. However, Chase Bank VISA also declined to close the account. In a trust-based system of automatic and recurring payments, this behavior is unacceptable from an accredited bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX ATM {$1000.00} Deposit of {$50.00} 's + XXXX XXXX ATM Malfunction error appeared on screen. Sent a receipt of {$300.00} Deposit. XXXX Sat at the ATM XXXX called ATM phone # explained at XXXX to XXXX XXXX XXXX XXXX XXXX and {$1000.00}. XXXX stated see the ATM with money inside. Claims dept will help you correctly error. XXXX XXXX XXXX dept took information stated ok to leave ATM machine since I called received claims number. 45 days to research. Called XXXX XXXX XXXX stated still researching. Transfer to claims dept XXXX XXXX Tennessee to be transferred to XXXX Arkansas XXXX researching til XX/XX/XXXX but bank will give a temp credit on XX/XX/XXXX. Went inside same branch on XXXX to Deposit money and to speak to the manager XXXX who refused to help me.. He don't have anything to do with outside ATMS call the customer service.Called XXXX XXXX XXXX XXXX- Florida same information that i received day before researching. XXXX XXXX Account alert bank balance {$40.00} more than I had of {$6.00}. Went to login account but was locked to call bank. Called XXXX XXXX said bank decided to close account only saw 2- XXXX XXXX  ( {$40.00} ) that i tried to Deposit on XXXX. Told her its on recorded phone call i Deposit XXXX + XXXX where did XXXX come from? She couldn't answer. Transferred me XXXX Tennessee said by law bank made a decision to close account. I stated so they stole my {$700.00} to close my account. Someone is doing fraud. Its wrong. I need that money. You notice I only had {$6.00} in my account because of missing the {$700.00}. NO ONE CARED. XXXX went to the same branch to collect my few dollars left to be told I had to wait for the money to be mailed. So again you holding my money. Was told to call XXXX to be told same thing closed account no reason. XXXX missed a call from XXXX XXXX claims to be Executive Escalated Dept please call XXXX. Called waited for more than 15minutes only to get transferred from XXXX Florida to XXXX with no information who claim to Transfer me to Escalated dept to get message " OFFICE IS NOW CLOSED PLEASE CALL DURING BUSINESS HOURS. Why close an account 4 days later and keep {$700.00} that dont belong to you. NOT SURE WHAT HAPPENED TO 45 DAY RESEARCH ... Account was not in overdraft status at that time. Good customer. Who made the decision to close the account in such a short notice of researching. What was the real reason the account was closed. Just seem XXXX. I am not the only complaint on this subject ... not sure what action others have taken but I am only wanting my {$700.00}. This has caused me to go into debt all bills delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- TRANSUNION -- XXXXXXXX XXXX XXXXXXXX XX/XX/2023 -- XXXX -- XXXX XXXX - XX/XX/2023

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 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
During the covid 19 shut down the government failed America by cutting pandemic relief for failing to negotiate like professionals. In XX/XX/2020. I reached out to capital one for assistance because due to loss of unemployment relief income I could not make my full car payment. Which I was paying as agreed with no issues prior to 100 % reduction in my income. As mentioned in The Cares act, I made arrangements to stay current with Capital One Auto in advance. 

They put me on a deferment. I paid every payment as agreed but they still reported the agreement as past due 4 times on my credit. This is now preventing me from qualifying to rent another home and I will now be homeless due to them not following the guidelines in CARE ACT. 

The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief lender should report payment as paid as agreed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance 2 loans for 9 months with them. They told me in XX/XX/2020 I was approved. They have told me multiple times I was ready to close and nothing. They keep asking for more and more. I have had to pay for 4 payoffs and still no close. They want to run my credit again even though I have very good credit. One of the mortgages they already hold, I've never been late, that should be a no-brainer. They appraised them and there is 50 % equity in them. And they still won't close. I have been through many managers and they keep blowing me off.

Company response to consumer: Closed with explanation