BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was open in XXXX of XXXX - I do not owe this debt as I was not a legal signer or co-signer of this auto loan. I did not have a valid Drivers licence or ID at that time even if I wanted to sign for it. Regardless of that the purchaser of the vehicle received documentation showing the repossessed vehicle was being sold at auction and he would be responsible for the remaining balance. The balance has not been reflected to show the purchased amount of the vehicle ( which cleared the {$2600.00} remaining amount that was owed on the vehicle that STILL shows on MY report ) - and was closed out XX/XX/XXXX which makes it over the legal amount of time this debt can be reported on my Credit report. It still shows on my Equifax credit report with a balance due, the wrong date opened, along with a whole slew of incorrect information which the XXXX XXXX nor XXXX XXXX has attempted to change or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We are in a pandemic. My wife lost her job during the pandemic. We fell behind on out payments due to her loss of income. I tried working directly with Honda to fix this, they were supposed to help us and not have these lates hit my credit report and they are. 
Dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should have all been part of this. I am a XXXX XXXX XXXXXXXX vet and we have been doing everything we can to make this work. At this time, all payments have been caught up. I am requesting to remove these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Flatonia Investments, LLC
State: VT
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:
Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
NCB Management continues to call me at my place of employment. I have advised nicely that it is a place of business and that personal calls are not allowed and they continue calling my job at least once a day, often multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to Chase mortgage in XXXX of XXXX. At that time my PITI was {$590.00} per month. I was notified in XX/XX/XXXX that my new PITI was going to be {$730.00}. After several phone calls they stated my increase was due to a shortage in escrow, that would now include flood insurance. When we bought this home in XXXX of XXXX we not informed until after closing of escrow we needed flood insurance. At that time I purchased flood insurance out of escrow and have continued to pay out of escrow ever since. I have made several calls to Chase on XX/XX/XXXX spoke to a XXXX XXXX an account service manager also spoke to XXXX in their insurance department that this would be resolved. Also faxed copies of my policy on XX/XX/XXXX. Spoke again to XXXX on XX/XX/XXXX, that they are going to continue to escrow my flood insurance. I have never been late on my flood insurance payment, and I contacted FEMA and XXXX XXXX the do not require flood insurance to be paid in escrow. Seems to me I am being billed for something they are not paying in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: FL
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:
I filed a dispute with Equifax, but now I can not access the results of the investigation since Equifax claims I need to call them to verify my identity. I have called them and requested they allow me online access to the results but they said they can not help me with that since they do not have a technical support department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My son has had a savings account with the XXXX XXXX ( XXXX ) for over 15 years. He recently applied for an access device ( as defined by Reg E ) for access to the savings account. I am a custodial parent on the account since its inception and I signed the form for him to receive the debit card. The XXXX  pulled a HARD CREDIT REPORT on me on XX/XX/XXXX for his access device ( debit card ) on his existing savings account. I did not authorize this credit pull, and it has negatively impacted my credit score due to the HARD pull. I would not have permitted the debit card application had I known the XXXX would pull my credit report for such a request. I contacted the XXXX on XX/XX/XXXX to ask to have the hard pull removed, and they informed me on XX/XX/XXXX that they would not remove the inquiry, since this is per their " policy. '' I find at a minimum that the HARD credit pull is UNFAIR and DECEPTIVE by not disclosing this credit pull from me prior to the access device application. Please keep in mind that this is for a debit card on an existing savings account, not a new account, and there is no overdraft protection or any other credit element. At most, I do not believe the XXXX had a permissible purpose under FCRA Section 604/606 to pull my hard credit report for this activity.

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 2017-08-08
Company: EQUIFAX, INC.
State: LA
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:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company was on my XXXX  and XXXX report. I sent a letter requesting debt validation in XX/XX/2022 and did not receive validation. This company deleted the debt from those credit reports. Now I see that they are reporting on my XXXX report and still have not sent any validation that the debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed

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 2020-07-08
Company: Experian Information Solutions 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}

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 2018-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
House was scheduled for Foreclosure on XX/XX/XXXX As of XX/XX/XXXX I was still in a possible loan modification. I have the paperwork to show this from the lender.

OnXX/XX/XXXX I spoke with lender who said they would not foreclose on me and would removed my home from the auction based on a cash for keys deal. This was on a recorded line verified by my lender.

In a letter dated XX/XX/XXXX my lender stated that they were reviewing my modification. 

Lender is XXXX 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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Below is the dispute I sent to XXXX XXXX, Transunion, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( Transunion and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, Transunion, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB.

Exhibit 1 ( Equifax lender report ) Exhibit 2 ( Transunion and XXXX  Report ) Inaccuracies : 1.  XXXX ( Highlighted in yellow ) a. XXXX  reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX   of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. Transunion reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete.

Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 (  Compliance code conditions and reporting guidelines ) Thank you, 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 explanation
Consumer complaint received 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed : Lvnv Funding Llc for {$120.00} Original : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase ( R ) XXXX  ( R ) with XXXX ( R ) : We received a transfer request of {$490.00} to XXXX XXXX. To stop this transfer go to XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Formatted phone couldn't access account Accidentally click locked thinking it was unlock by text " Account is disabled '' please contact support Submitted ticket XX/XX/18 and made calls almost throughout the months No resolution or care about issue No response to e-mails always get same response " specialist or escalated ticket '' They have my all money tied up so I'll taking losses as it goes since its cyptocurrency I am unable to close account, move funds, or transfer to new account I did nothing wrong, illegal, or unauthorized access to be investigated for this LONG Offer to provide ID, SSN, ALL transactions, and whatever info they need to PROVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: MB FINANCIAL, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX to pull my credit report, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my credit report once, XXXXXXXX XXXX is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation