BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} 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 2023-05-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraudulent charges on my chase debit card from XXXXXXXX  phone company. I let my bank know of these fraudulent charges, but they are saying the transaction was authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I have been a capital one customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, capital one has marked it as past due and this XXXX, after i had made a {$400.00} payment to capital one, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with XXXX  and capital one had reversed the late fee. but however, capital one refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX, Experian, and XXXX continue to report inaccurate information with the listed account DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-10-18
Company: EQUIFAX, INC.
State: AR
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:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the ongoing issues I have been experiencing while trying to remove inaccurate items from my credit report through Equifax and XXXX Credit Bureaus. 

Over the past few months, I have made several attempts to correct the inaccuracies that have been incorrectly reported on my credit report. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the inaccurate items on my credit report and promptly contacted Equifax and XXXX Credit Bureaus. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be rectified promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the inaccurate items from my credit report. I contacted Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The inaccurate items on my credit report are significantly impacting my financial and personal well-being. 

I kindly request the following : Immediate action to remove the inaccurate items from my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the inaccurate items. 
Compensation for any financial losses or damages incurred as a result of these inaccurate items. I am asking for your immediate assistance to remove the following fraud items : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXXnquiry : XX/XX/XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: IL
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 looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Transunion to reinvestigate these accounts : Account name : DEPTEDXXXX # XXXX ( ON CREDIT REPORT 6 TIMES ) XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX USDOEXXXX # XXXX ( ON CREIDT REPORT 2 TIMES ) XXXX  # XXXX CAP XXXX # XXXX XXXX  # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
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:
SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.

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 2020-01-30
Company: Riverwalk Financial Corporation
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX  XXXX credit card with a {$2000.00} limit. When XXXX XXXX bought out XXXX  XXXX XXXX XXXX refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted riverwalk holdings to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the riverwalk holdings put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through XXXX XXXX. River Walk Financial picked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. riverwalk holdings does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XXXX   XXXX  has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-25
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX. The car cost {$15000.00} and I was charged $! XXXX for taxes and a {$150.00} admin charge. That total came up to {$17000.00}. I put {$3000.00} down on the vehicle and the price dropped to {$14000.00}. This should have been the amount that I financed for the vehicle. The actual amount that I ended up financing was {$17000.00}. I guess they included the license and registration fee. The cost to finance my car came out to {$19000.00}. The finance charge was XXXX XXXX My total of payments came to {$36000.00}. {$3000.00} ( my down payment ) was added on to that making the total sale price of the car {$39000.00} for a XXXX XXXX XXXX with over XXXX miles on it. My payments were suppose to be {$500.00} for 72 months with the first payment beginning XX/XX/2020. After making over two years worth of payments, I now realize that I will never pay this car off because all of the payments are going toward the interest that continues to accumulate. I was supposed to try and get the car refinanced after the first year, but the car loan itself is so bad that I could not find a financial institution willing to refinance my car. I have paid over {$3000.00} in repairs for my vehicle and it still has a mechanical problem. Sometimes, the car just won't start. It has the auto-shut-off-auto-start feature and it seems to have a computer problem. I only take my car to the dealership and they are not sure what's wrong with it. The principle balance on my car is currently {$17000.00}. Remember, it started out at {$17000.00}. I contacted the finance company concerning this matter to see if I can get the interest rate adjusted, but they just told me that the payments will basically adjust themselves. I don't see how. I see no end to this. This car loan has negatively affected my credit, even when I had made my payments on time because of the continued high principle that never went down from {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, there was an unauthorized charge of {$13.00}. My account went negative then followed by an overdraft fee of {$34.00} from Citibank. I contacted the merchant about the charge, and they refunded me due to their mistake. I called Citibank to dispute the overdraft fee and they refused to approve my request. I explained the situation based on the nature of unauthorized transaction. They did not care at all. They suggested to contact the merchant to reimburse the fee because it was their fault. I'm out of words.

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 2023-10-18
Company: EQUIFAX, INC.
State: NC
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:
I requested information be removed from my XXXX XXXX credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted XXXX XXXX, Equifax, and XXXX 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX Certified and XX/XX/XXXX Certified and XX/XX/XXXX phone and XXXX XXXX again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXXXXXX XXXX XXXX  Lender XXXX XXXX XXXX XXXX XXXX Secured Loan This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( XXXX )

Company response to consumer: Closed with non-monetary relief