BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2020 I filed a complaint with CFPB -Complaint Number XXXX. In there response to the complaint Equifax stated it would send me the results that the company provided them from the investigation. As of today they didnt. It has been over 8 months that I originally filed a dispute about these 2 Erroneous items. I have filed several disputes and this is my 3rd complaint with the CFPB and Equifax has continuously disregarded the FCRA and my consumer rights and have never given me the results of the investigation ( s ) from my multiple disputes and complaints. I have continuously asked for proof how they keep coming to the conclusion that these 2 erroneous items are mine. There is no proof because they are not mine. The only thing Equifax keeps sending is a copy of my credit report. They are continuously ignoring my request. Underneath this is the complaint I filed on XX/XX/2020 in which Equifax refused to comply and outright LIED about what they would send me : On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX/XXXX  one in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly from 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 2021-11-16
Company: Experian Information Solutions Inc.
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:
Notice, it is a fact, CFPB is not investigating how EXPERIAN is handling my consumer complaints. Keep allowing EXPERIAN to use the no authorization to do anything. 
That is exactly my complaint who gave EXPERIAN any authorization to use or report information on my report, even worse a unsubstantiated assertion. It is a fact EXPERIAN has discovered this filing process is all electronic and no actual human is overserving the process and all they got to do is manipulate the system with responding by code delay, or stating they do not recognize the account. Attached is a copy from EXPERIAN of the account reporting on my report. All these denials is just now exhibits for the deception from EXPERIAN.

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 2020-02-11
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I noticed a late reporting on my account with JPM Chase Card account ending in XXXX.I called chase to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
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:
OAG Child Support is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2023-06-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
At the end of XXXX I experienced a life changing event that put me in a position unknown and scary. I had to figure out how to provide for myself and family on my own so I got credit reports from all 3 bureau. I was devastated. I had looked at all 3 scores in XX/XX/XXXX and my score was a XXXX. Anyway, I called all 3 and tried to update the information and get incorrect information removed. There are 2 social security numbers on one report and a mans name. I sent out letters to all 3 disputing information and asking for validation. 
One account XXXX XXXX XXXX opened a file on XXXX XXXX from XXXX XXXX XXXX one balance is XXXX and the balance they say I owe is XXXX. I am going to include 3 more accounts from XXXX XXXX XXXX showing two balances. # 3 XXXX XXXX XXXX XXXX XXXX one balance XXXX XXXX XXXX # 2 XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX lastly XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX. I have never signed anything stating they could add fines, fees, penalties. I thought that was incorrect policy according to the FCRA. 
Now I have 25 hard credit pulls to date. I am trying to fix my credit not take on more than I can afford. I never authorized those. All of this has been devastating. I started my own business on XX/XX/XXXX and have no way to fund it or move forward because of the lack of responsibility to MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted this complaint to update this suspicious information. Credit Bureaus must REMOVE these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 2022-10-18
Company: DISCOVER BANK
State: VA
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:
Around the Beginning of the year around XX/XX/2022 I received information in my email that said my account was being closed by discover. I called to get information why and they said that they didnt know why that they will send me a letter out never received a letter so in my email each month I keep getting something saying that my account was closed but I need to keep paying on it because my credit score each month to take a hit and go down like XXXX points XXXX points because my credit score to go down a lot but discovery is saying my account is closed so I keep each month getting notice saying its delinquent derogatory remark, make payment, but is closed. The account is closed it is stating that it is closed. and I monitor my credit and wallet hub send me information telling me this has to be a mistake because my account is closed but the numbers keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voicemail from PMT Solutions at XXXX on XX/XX/2018. Their address is XXXX XXXX XXXX XXXX, XXXX, XXXX WA, XXXX and their phone number is XXXX. The voicemail stated no creditor, no amount, and no debt of the claimed debt. This is a violation of the FDCPA. 

I don't owe any debts other than a mortgage on my house. My FICO score is XXXX and XXXX is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries on 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 2019-12-17
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle from Kia of XXXX, TN in XX/XX/XXXX. I setup autopay for automatic payments to Kia Finance. In XX/XX/XXXX we decided to retire and relocate to our home in XXXX, XXXX. We sold the car to XXXX XXXX, and XXXX XXXX payed off the remaining loan. Unfortunately a payment was due and deducted from my account prior to XXXX XXXX submitting the loan payoff amount. I was assured by Kia Finance a check would be forth coming. I had notified the post office of my move and had a forwarding address, I received all of my mail with the exception of the Kia Check, so I called them to follow up. They had assured me the check had been sent so I gave them my address in XXXX. After several months, I called again, they provided me the address they sent the check to, but it was incorrect, ( it should be noted the check did eventually arrive, but the check was expired by the time it arrived ). I corrected the address in XX/XX/XXXX, but until now I have not received a replacement check, and I have lost confidence in Kia 's checks in the mail statements. While I do have a foreign address I have received all of my mail from my banks, Social Security, gifts from family etc. I am rapidly approaching a year of Kia not reimbursing me for money they acknowledge they owe. Should the check discussed in XX/XX/XXXXactually arrive it would no longer be valid, as they have a 180 day expiration on 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 explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX   for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today Date XX/XX/2019 This complaint involves XXXX. 

I received a denial letter from Citi Bank in regards to opening a money market account. They said their decision was made in part due to a report from XXXX  and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called XXXX  to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.

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 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a joint account that was opened with my brother two years ago. Checks were deposited as third party checks from XXXX and they decided to infinitely restrict the account. My funds have been inaccessible for two years. Capital One has been contacted by my brother numerous times about this issue. Unfortunately, they still do not want to help close the account and send the funds anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PennyMac agents have been calling our telephone number repeatedly for years asking for XXXX XXXX. We have told PenneyMac agents repeatedly that we have had this telephone number for eight years and there is no XXXX XXXX here, but the harassing telephone calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: MA
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 sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXXXXXX XXXX XXXXh and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2018-03-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi this is an on going issue that has been going on since XX/XX/XXXX. Chase has closed this case because they feel I had something to do with this. I had fraud activity going into this account. They took my paycheck to cover the funds. I feel that Chase did an extremely poor job on investigating this matter. They want me to pay the remaining balance of something I had nothing to do with. 

I still get these emails saying someone is trying to access this account. This is clear that these scammers are doing this and you guys don't want to rectify this situation. They want me to pay for something I didn't do. This is the third email I got about regarding an account that I no longer have access to or the card. I cut the card up once you guys failed to help me on this. Attached is the email I received. I can't pay this amount because I'm currently losing my apartment which is a result of this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NV
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek XXXX.

Company response to consumer: Closed with explanation