BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My complaint is for XXXX  and XXXX  for removing the closed account Ally Financial account # XXXX and adding it back on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 2021-03-09
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aargon Agency , Inc. is located at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX Collection Accounts : XXXX Clients : XXXX This collection agency is trying to collect money that was already paid by my medical insurance and myself on XX/XX/2019. Please remove them this is fraudulent debt.

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 2021-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
I submitted a complaint to Transunion in early XX/XX/2021 and to cfpb on XX/XX/2021, about Transunion 's arbitrary lowering of my credit rating on XX/XX/XXXX, by more than 100 points, with no explanation and no no information change on their credit report of me as posted on XXXX XXXX, and as reviewed on the Transunion site, by me. I was assured by cfpb that Transunion was reviewing my complaint. After a full month of damaged credit which was eliminated the possibility of my applying for car credit, at all, I still see ny explanation for the 100+ drop and no communication other than robo stuff from either Transunion or cfpb. 
I can only conclude that neither Transunion nor cfpb are the slightest bit involved in fixing what has become a crisis for me. So much for our tax dollars.

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: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We have been telling Select Portfolio there is no Lien instead of them acknowledging what XXXX and XXXX had said they decided to Foreclose, we have been asking for 3 years where are you sending our payments they never gave us that information, instead under the Foreclosure they say our Investor is XXXX XXXX and has been our Investor since XXXX, which is Fraudulent and then they added a Loan Modification that was signed 2 months ( XXXX ) after XXXX XXXXXXXX XXXX  was closed ( XXXX ) by the XXXX, also doing the Foreclosure the Plaintiff submitted documents saying XXXX XXXX was part of Pooling and Servicing since XXXX, whereas XXXX didn't become Servicer until XXXX, and didn't receive a mortgage payment until XXXX. 
XXXX XXXX who was the Master Servicer after XXXX  XXXXXXXX XXXX closed XXXX, sent us the Loan Modification showing XXXX as Noteholder and Investor XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 I was seen by XXXX XXXX XXXX, MD.At the time up until now, I receive XXXX.Doctor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , failed to submit the bill too XXXX at the allotted time, therefore XXXX denied to pay the claim, so instead theyre trying to force me to pay a XXXX bill for their mistake.They sent the bill to United Revenue Corp.a collection agency.This has been on my credit for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
When I call the phone # on the back of my XXXX XXXX XXXX card they try to offer XXXX gift and want my XXXX credit card #. They will not let me close the account without giving them another credit card #. I have tried calling XXXX XXXX directly and they push me back to the original phone # on the back of the card.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
This is my 2nd attempt with Equifax, XXXX, and XXXX. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions 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:
On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.

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 2023-07-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 XX/XX/2020 Checking XXXX $ Saving 's XXXX $ It has been almost 8 months of chase bank closing my account and is holding XXXX $ in savings and XXXX $ in checking of my unemployment benefits. It all happened one morning, Ive been waiting almost 3 months to receive my unemployment benefits and one random morning all of my weeks for unemployment was deposited into my account and the next day Chase Bank close the account. After calling everyday, they tell me the Georgia department hasnt got back with them and that is why the investigation is still going on. I had to open a XXXX XXXX account to continue receiving my unemployment benefits. I dont know what I should do at this point. They have been holding my money hostage and don't want to release my funds. I should've at least received a letter about this investigation but nothin! not a single letter saying we are still investigating on the case they don't want to tell me nothing or mailed me my funds. Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ 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 This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.

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 2021-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello EQUIFAX, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, and denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this accounts to be removed from all current and future credit reports. 

Also, I would appreciate if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them|on my end. 

I am certain that 30 days is plenty of time for your company to look into this account. 

I believe that under Section 611 ( a ), it is clear that the failure to investigate this accounts within 30 days constitutes a reason to permanently remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NC
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote to experian three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.

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