BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
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: Account status incorrect

Complaint:
I filed a previous report # XXXX against equifax and they have since removed the inquires and updated my credit file per the myequifax.com checked today. I found that things that were previously disputed that were corrected and/or deleted has reappeared due to my complaint. Please have this information to go back to the statuses it was as we have been through this battle before for 2 years. 
1.XXXX  xxxxxxxxxxxx XXXX reappeared showing open and reporting and bad rating on XX/XX/XXXX this was discharged XX/XX/XXXX and should not have been on my profile after that date. 
2.XXXX  XXXX shows a charge off this was paid and the creditors agreed to delete, and it has reappeared with inaccurate information. This was also for a medical debt and was paid. Credit rating is incorrect for the 4th time I am dealing with this. DELETE and keep it deleted 3.XXXX XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 4.XXXX  XXXX  rating is incorrect never been 60 days late remove incorrect history 5.XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 6XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 7.XXXX XXXX  # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 8. XXXX XXXX # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE These items are things that was already disputed and correct the beginning of XXXX and now has reappeared and/or incorrect. Please delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: DISCOVER BANK
State: GA
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've disputed this Discover account several times. This account was not investigated by XXXX, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This Discover account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from Discover. I never received any proof and information that was requested that it was in fact ever investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-04
Company: EQUIFAX, INC.
State: GA
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 have rights under 15 usc 1681. 
Equifax is also govern under 15 usc 1681. They have violated my right 's numerous times. I demand all accounts listed be removed. 

According to 15 USC 1681 : I have a right to privacy and I did not give Equifax writes to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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:
I have already reached out once to XXXX  & Equifax about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me. 

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me. 
they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed  above. 

Under the FCRA, unverified, invalid accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as 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 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XXXX forwarded all information on the on-line application, but on-line page was not at its best, and stated some one will mail you are decision, there was to be a decision after completing the application that was stated on this web-page, but never happen, a letter did come in the mail, stating application number XXXX, the part for your credit score was 0, date 0, scores range a low to high 0, key factors that adversely affected your credit score, N/A, the next page states : Thank you for your recent application for a Kohl 's Credit Card account issued by XXXXl XXXX, XXXX. We regret that we are unable to approve your request at this time for the following reason ( s ) : Unable to verify physical address, the address was on the application this is a lie, it also states information obtained in a report from the consumer reporting agency listed below, N/A,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

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 2019-08-29
Company: Fairway Independent Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold a property to a buyer on XX/XX/2019 after he provided a Credit Approval Letter from Fairway Mortgage Co. dated XX/XX/2019. The property was XXXX XXXX of a formal plat scheduled to be final in mid-XXXX. The seller of the property was to be paid-off in XX/XX/XXXX and the Credit Approval Letter had two pages representing " certainty '' of the buyers funds. At the end of XXXX, the buyer and seller signed at escrow and the funds were wired to escrow. Within an hour of wiring funds, Fairway M.C. contacted escrow and told it to hold the recording. On XX/XX/XXXX, the Senior Mortgage Advisor emailed escrow saying the buyer was not approved for the loan so the lender requested a reverse wire and the sale was terminated. We had ample time to sell the property but accepted the offer from this buyer based entirely on the guaranteed Credit Approval from the lender. I was forced to obtain a hard money loan that would close on time to pay-off the seller. This loan has a {$7500.00} fee and 12 % interest with a minimum 4 months interest charged equaling {$22000.00}. I contacted the Branch Manager,  Mr. XXXX XXXX over the phone and sent 3 emails showing the Credit Approval Letter and emails between escrow and Fairway at the end. There has been no reply to the email and no follow-up phone call as discussed. Mr. XXXX 's phone number is XXXX and his email address is XXXX fairwaymc.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: PA
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:
The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. XXXX is reporting {$0.00} and Equifax is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. XXXX is reporting {$230.00} and Equifax is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was overcharged by XXXX XXXX for my mobile phone plan ; I should have been charged {$83.00} ( the normal charge of {$100.00} minus my 'wallet ' credit of {$25.00} ), but was charged XXXX, a difference of {$31.00}. I tried unsuccessfully on numerous occasions to resolve the problem with XXXX XXXX, but, despite the fact that a CSR named XXXX, at approximately XXXX on the evening of XXXX XXXX, claimed that I would receive a refund of {$32.00}, but I never did. Hence, I felt compelled to open a dispute for {$31.00} with my credit card company, US Bank. 

However, US Bank rejected my dispute and refuses to provide any reason for this rejection. This despite the fact that I have provided all documentation that they have requested, despite the fact that during my last conversation with a CSR -- with XXXX at XXXX EST on XXXX XXXX -- she told me that what prevented my dispute from successful resolution had been that US Bank had lost my receipt, and despite the fact that my final fax ( XXXX XX/XX/2019 ), which again supplied the receipt, specifically asked that US Bank : '1. Notify me if you regard this documentation as insufficient, illegible, etc. 
2. If you regard this documentation as insufficient, please present an argument as to why and indicate next steps for resolving this dispute. 
3. Please provide information regarding possibility of appeal or escalation for this dispute, should it not be resolved in my favor with this documentation, for I will otherwise need to pursue the matter with the Consumer Financial Protection Bureau, among other entities. ' They never did, and simply sent another letter, without evidence or specific reason for rejection, indicating that it was rejected. This is in open defiance of the Fair Credit Billing Act, 161. 'Correction of billing 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 explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please remove these acccounts ASAP.

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 2022-09-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report. 

1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response. 
2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate. 
4. Transworld has improperly and deceitfully caused my credit report to be severely damaged. 
5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: American First Finance, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX XXXX to get a bedroom suite XXXX I got approved for XXXX credit with American First Finance. XX/XX/2018 ... my payments were XXXX monthly.. I made timely payments and I paid off the furniture but Im now being charged XXXX for fees for not paying it off in 90 days. I am XXXX and work part time trying to make ends meet. They cut my hours after the holidays. I want to pay but I asked them if I could get a lower money payment they said no this is what you signed. But my signing on a computer at the store I didnt know about the extra fees ... nor did I receive a statement saying to pay off early or pay extra fees. What can you do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited an insurance claim check into my chase bank account on XX/XX/2019. We had asked the teller if we needed to do anything special since the Mortgage Company was on the check. She replied that all we had to do was endorse the check and there wouldn't be any problems. On XX/XX/2019 Chase had deposited the {$16000.00} check into my account but then put a fraud hold on it. They then closed my account with the money deposited into it. My insurance company XXXX said they could not get the money back in order to re-issue the check so we could get the proper endorsement from XXXX XXXX. Chase is stating that they can't release the funds without an endorsement even though they had already cashed the check into the account before they closed it. It has not been 2 months and our roof is still leaking because Chase and XXXX won't work together to get the money out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax, through gross negligence and a failure to protect my confidential information, has exposed me to a lifetime of increased fraud risk by disclosing my credit report to an unknown adversary during their 2017 data breech. Through absolutely no fault of my own, a vendor with which I have never contracted nor approved has leaked my most personal identifying information.

Company response to consumer: Closed with explanation