BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: LA
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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. However, Equifax just placed a fraud alert on my account that I didnt authorized as well. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit  Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
SYNCB/SAMS CLUB XXXX*****XXXX  Date Opened XX/XX/18 Balance {$220.00} I am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report. Around 45 days ago I called for an examination since I felt the item seriously isn't being stated most recently. To my surprise, I have been given a notice stating that your evaluation was completed and that the item had been " established as legitimate. Below Section 1681 ( g ) I highly recommend you produce me with a detailed description of the method used to examine that this particular account is " reliable '' and forward me the name and addresses of persons phoned per laws perfectly located at the FCRA.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2018-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Freedom misrepresented crucial acts of the money transfer by not telling me that they would not honor the normal thirty day payment period for regular transactions and start collecting interest immediately at a very high rate -- they are incredibly dishonest and misleading. I have repaid the amount in full within two weeks when I learned of this and want the charge for their fraud returned to me. Their employees officious snarky attitude drove me up the wall. I had recently changed my checking account to Chase -- it's obvious they are not the sort of people with whom I want to do business. I want everyone to be warned about Chase fraudulent misleading banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late. 
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.

Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: SC
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 XXXX  and Equifax an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called XXXX  on XXXX and spoke with the Manager by the name of XXXX XXXX ( if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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 had a Nissan Lease account From XXXX until XXXX. The account has been closed but still reporting as open. Last week I called to make the payment that I owe them. Spoke with a woman named XXXX on the recorded line. She explained that the debt is old, it should no longer report to my credit, and they are no longer pursuing me. I called to pay it off in good faith. It now is being reported as a negative account when it shouldnt even be on my reports anymore. Its an account thats been settled in good faith. Its 8 years old. Ive tried to dispute it but can not. This has dropped my credit from XXXX to XXXX. Harming me terribly. Please let me know what can be done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i contacted XXXX and told them that this debt was included in chapter XXXX and that they recieved noticed. which the lady said they did and didnt know why they are trying to collect on a debt, that was XXXX in bk XXXX. i gave the my attorney name and phone number. they still reporting this on my credit report ruining it. i told them if they didnt fix it i was filing a complaint and seek action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have had a VA mortgage with Wells Fargo Bank since XXXX. I meet all the conditions for the VA XXXX streamline refinance and filed a refi application on XX/XX/XXXX. I provided all the documentation requested from them immediately online and updated the documents. For months, they have dragged their feet and kept asking for the same documentation. I have had my rate lock extended over and over and it now expires on XX/XX/XXXX. My rate lock was extended numerous times. The law firm doing the closing has been trying to get them to give a date for closing but they can not or will not provide the date. I have given them what they asked for months ago. The representatives from Wells Fargo explain that the low interest rates have swamped them with refinances and therefore they are behind. This is 5 months plus now. On XX/XX/XXXX, I received a Loan Estimate having been told my loan passed final underwriting approval. There is no known date to close at this point and my rate lock expires on XX/XX/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 2020-11-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors

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 2018-02-12
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I ordered a Netspend card online for my taxes to be deposited. They would not activate my card. They are connecting me to an account my mother has with XXXX. She ordered me a card during tax time last year but we cancelled the card and did not activate it. I did not want to be on her account. Her account is overdrawn currently. They are trying to make me pay her bill and won't activate my card. My tax return will now be kicked back to the IRS and I'll have to get a paper check. I feel that they are using discriminating practices. There are no Co applicants on prepaid cards so how are they putting me on her account. I have been done wrong and something needs to be done about it. How can they associate me with another cardholder? They should not be allowed to harass me into paying her overdraft.

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 2020-08-28
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is in dispute of the Macy 's 30 days late payment that has been reported for XX/XX/2021. 
Macy 's has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that Macy 's did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the Macy 's finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was Macy 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that Macy 's lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

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 2021-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.

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 2021-02-05
Company: BYL Collection Services
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closes my credit card without notice and removes my remaining Thankyou points balance.

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 2018-04-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation