BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed by a cab driver who stole my debit card, cell phone, and PIN by making me swipe it to pay for the ride. They ended up keeping my debit card and I didn't notice until the next morning when I woke up. I had charges for on XX/XX/XXXX while I was asleep for the following between XXXX and XXXX XXXX  : 2 ATM withdrawals from the same ATM for {$480.00} & {$500.00} and another for {$23.00}. 

1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$130.00} 1 Purchase at XXXX for {$81.00} I called them in at XXXX XXXX when I woke up the next morning and told them everything and that my phone was stolen. Today my claim was denied and they did not have a record of me telling the claim department my phone was stolen even though it was. I asked for recordings and they said I need a subpoena. The 2 ATMs were the same as my bank so I asked if they can get the camera footage from that and they said police need a subpoena for that. They said I need to provide more evidence to change the status but I am not in the power of authority to do so.

I filed a police report and fraud packet to my local police dept who is working on it and the bank stated if it takes more than 30 days, the claim will be closed forever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2018 I brought my XXXX XXXX XXXX to the XXXX dealer in XXXX ca to see of I could lower my payments, they offered me a smaller car a XXXX XXXX XXXX with a car value of {$24000.00}. I traded in my car so the new loan would pay the balance of my XXXX XXXX  and the remaining balance would be added to the new car. When we were going to close the deal the seller showed me a total of {$39000.00}. Due to the price I told the seller I did not want to continue with the transaction because it was to much for a XXXX XXXX XXXX, and I would stay with my original car the XXXX. I was at the dealer for 6 hours already stressed out, when I was walking away XXXX XXXX another seller came over to me and asked what the problem was. I told him the price I was being given for the XXXX was still to much for me. He insisted he could give me a better offer so we proceeded to the office and he showed me a new price of {$37000.00} with payments of {$640.00} a month. He handled everything on the contract and had me sign it and quickly put the contract in the envelope without explaining to me what I had just signed. If I would have been told at that moment that the total would be {$46000.00} I would have never agreeded to leave with the XXXX. There were also other charges in the contract that he never ask me if I want them I had the right to make my own decision, He just added with out explained what they were. On the contract it says I have to pay {$2500.00} by XX/XX/2018 for a downpayment when at the dealer I explained to them that I did not have money for a  downpayment at the time and they said that was fine. I feel as though they were trying to hide information from me to prevent me from backing out of the purchase of the new car. I was never shown the Annual percentage rate, amount financed, finance charges or the total over all payment of the car. 
I did get to see the contract until I got home I call XXXX XXXX many times and they told me he was on vacation I spoke to XXXX Manager and explain him the situation and did not want to help me he said to wait until XXXX gets back on XX/XX/2018 I want my old car back XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.

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 2016-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was XXXX and on my XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations XXXX XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with Equifax under XXXX XXXX XXXX, XXXX. XXXX stated they called Equifax to have them remove immediately, yet Equifax is still showing as a collection and a balance due of {$70.00} with XXXX and not XXXX.Equifax is not using due diligence and is ignoring both me and MC. 
***XXXX removed from credit file yet, Equifax is still showing as a derogatory remark

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
I am a XXXX XXXX  in the country of XXXX who presently has permanent residence in New Jersey. I used my Barclays XXXX XXXX credit card to purchase my return airline ticket and for some reason my XXXXXXXX XXXX did not pay the charge automatically as set up. Barclays refuses to make a 1 time exception to remove the delinquency from my CBR as it has affected my score adversely. As you are aware credit score is imperative in society and being a XXXX  preparing to become a XXXX  my score is critical. Additionally, I paid the same second I received an email and a letter at home stating my delinquency. I would question why they would wait 3 months to notify me of delinquency and not sooner.Perhaps the late fee of {$37.00} a month is a common practice to destroy ones credit and increase income for the bank. My intention was not to be delinquent as I have never been and would have paid this immediately if I knew.I can only imagine how many customers this has happened to in the past. Please help as I need credit and only doing the right thing in today 's world.

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 2018-08-17
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account.

I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online.

I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account.

I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-17
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I called into the TransUnion credit bureau because my score with them is much lower than with XXXX  and XXXX. After comparing the reports to see what the differences were, I noticed that the TransUnion report stated one of the reasons for my score being lowered was length of credit history. I also noticed that they are missing an account that Ive had open and in good standing since 2006. The other two bureaus are accurately showing this account. When I called in to TransUnion, they told me that the creditor needs to report the account information and monthly updates and I would need to reach out to the creditor. On that same day ( XX/XX/XXXX ), I reached out to the creditor, who confirmed for me that they report to all 3 bureaus and that my account information was being sent to TransUnion. I called back to TransUnion on XX/XX/XXXX and spoke with a representative and their supervisor to try and get this situation resolved. I even offered to get on a 3 way call with the creditor to help resolve the issue. They offered ZERO help and even began to get belligerent as I pressed to come up with a solution. This is affecting my credit score and things I want to do in my life and for them to be so flippant is insulting and unacceptable.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2016-01-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX XXXX, 2016 I went to the official Equifax.com website and purchased what I thought was my full credit report with XXXX credit scores from the top XXXX credit reporting agencies, Equifax , XXXX and XXXX. I received my full credit report with credit scoring, which is not the XXXX actual credit scores. I understood that it was possibly my mistake, even though their language caused the mistake. I called Equifax on the same day, XXXX XXXX, and spoke with XXXX and asked what it was that I had bought. He told me that if what I prefer is the full report with the XXXX scores he would do the following : issue an immediate refund of my {$39.00} which would be posted to my account within 3-5 business days, confirmation number : XXXX. The next step was to purchase a credit monitoring trial for {$19.00}, which gives me exactly what I want, then cancel the next day, on XXXX XXXX, so that I am not billed for monthly monitoring services. I said I was happy to pay the one-time {$19.00} fee as long as I could cancel the following day and have a full refund of the first report. He said yes. 

On XXXX XXXX I now have my report with scores. I am pleased. Upon approved instruction from Equifax , I called back to cancel the trial. They told me it was cancelled and gave me a confirmation number of : XXXX. I did not, however, receive any email confirmation, as I had asked for, in both circumstances. Moving on. Before I ended the call I asked that they confirm my initial refund for {$39.00}. The service representative ( did not understand the name but he was male ) said that refund was not issued and that he would take care of it. Again, no email confirmation of this. 

On XXXX XXXX I still have no refund. I called Equifax and spoke with XXXX. He told me that no refund had been issued and that he had to escalate this to their investigations department who needed to review and approve such refunds and those take 7-10 business days IF approved. He told me this is how they all are handled and that he did n't know why the other XXXX Equifax representatives responded the way they did. Again, no email confirmation. 

Today is XXXX XXXX. It has been 22 days since this all began. I want my refund of {$39.00}. It is my hope that on XXXX XXXX, 2016 I am not charged with a monthly monitoring fee. If so, I 'll be going through this all again. Thank you CFPB for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX {$9000.00} XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-04-11
Company: EQUIFAX, INC.
State: NY
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 disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax fail to delete a negative account older than 7 years. Equifax own conclusion determines that a account can only be on file for 7 years which contradicts it self. Moreover, the account has been sold and the statement from equifax determines the account is been verify but has been sold according to the original source.

Company response to consumer: Closed with explanation