BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: AR
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:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my wallet at a gas station a couple weeks back and got charged at a place called XXXX XXXX  for a XXXX and some dollars. I made a dispute with chase bank and they told me someone confiscated my pin and card and they told me they will give me a temporary pin and card in the mail and give me a temporary credit to my account. Today I look and they denied my claim due to the person using my pin while doing the transaction. I was home sleep and they wont budge I offered to provided a police report anything and they still wont do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an. open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am requesting Capital One to XXXX the account that is in my name as result of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TransUnion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Innovate Managed Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via XXXX tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( XXXX XXXX XXXX XXXX XXXX XXXX ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGE when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 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 explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.

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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX in XXXX. As an independent XXXX, I filed my taxes every year which includes a Schedule C, which reports my profits and losses. Under the Cares Act, enacted by the Federal government in response to the COVID 19 Pandemic, Congress created various programs to help small businesses through out the country, which included the SBA EIDL. Independent contractors are among those eligible for these programs including the EIDL. As I am eligible I applied for the EIDL and was approved by the Small Business Administration, the government agency responsible for administering and approving and declining applications. I received a loan amount of {$29000.00} in XXXXXXXX XXXX 2021 to be deposited into my Chase account. According to the SBA, the type of bank account did not matter to get this money. However, Chase closed my account and sent my money to the Secret Service as if I am some criminal. The real issue is that Chase decided to reject my application as if they were responsible for administering Federal money, and did not give me a chance to open a business bank account to get the money that I am owed as an eligible applicant to EIDL. Chase also did not even send this money back to the SBA so I can have a change to get back this money. They sent it to the Secret Service that has nothing to do with SBA or the Cares Act and cast suspicions and have treated me like I did something wrong or committed a crime. I believe the actions that Chase has committed in denying a much needed loan and then treating me like a criminal must be investigated. I know of other hard working drivers who were also treated the same way by Chase, which shows a trend of discrimination against XXXX XXXX XXXX XXXX XXXX. This is why Chase must be investigated. Did they only do this for people like me? Did they treat others the same way? How many hard working people were left without any help even though they were eligible and approved by the federal government due to Chase Bank 's discriminatory actions. Chase Bank must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to secure a mortgage after the fraudulent foreclosure in the XXXX XXXX Georgia records.I need the Litton Loan mortgage transfer documents from Ocwen/PHH and XXXX have failed to provide those documents on numerous occasions. I need the notice from Litton regarding the new servicer Ocwen and effective date. I need a copy of the letter Ocwen sent our regarding their servicing of my mortgage loan from Litton, to include the amount of loan balance and contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
I submitted disputes to XXXX, Equifax and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID attached.

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 2023-12-12
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have sent the XXXX, correctly filled out remittance coupons, with correct postage, BENEFICIARY signature, correct amount of postage, and sent to XXXX XXXX in XXXX, oh, on XXXX XXXX XXXX. without the transfer being processed. And also asked him to send back my mortgage application with the correct parsay syntaxed structure XXXX different times. And also wanted to see the accounting on the books of the double entry book keeping they do ( the assets & liability ). Nothing has ever been sent back to me, and I've requested since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2019-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Wells Fargo credit card. A letter was sent to let me know the reason for the denial. I have a credit rating of XXXX and the reasons did not make sense. I immediately called them and to make a long story short, I did not anywhere with the bank bureaucracy. I wasted close to two ( 2 ) hours total with nothing done. There is something wrong and I hope you can help me get to the bottom of it. The irony, they offer a toll free number to call so the rating can be improved. See letter attached. There were also some comments that I reserve myself for future need.

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