BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Selene Finance LP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company, by default, is Selene Finance. I had never missed a payment until last fall ( which was due to greatly decreased income as a result of having to retire on XXXX ). I tried to get caught, but they would not take my payments. I applied for and reciev d ( in XXXX ) a grant from XXXX XXXX XXXX in the amount of XXXX. I have been trying to work with SF sorry nce them to get them to accept the grant money and modify my loan an. They did not send me the paperwork until XXXX, which I returned by the end of the month. 
Meanwhile, theyve been sending methreatening letters, charging me late fees and further interest. Today I finally recieved another bill from them, in which they have accepted the money, but the staement says I owe XXXX months, XXXX late month with added fees, but they have not sent a loan modification, or lowered my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
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.

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 2018-09-04
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Prince Parker & Associates
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PRINCE PARKER KEEPS CALLING MY CELL 13 TIMES AND HAVE 3 SCREEN SHOTS. THEY ARE CALLING FOR OTHERS. AND IS REPORTING ON OUR XXXX CREDIT REPORTS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
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:
Hello, I've mailed in my dispute months ago and finally got a response from the bureaus saying they can't process my dispute because they don't believe its me. ITS ME. I AM THE ONE DISPUTING AND DESERVE A FAIR INVESTIGATION. The bureaus need to submit all of my disputes ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2021-02-25
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to Chrysler Capital on XX/XX/21 at XXXX XXXX  CST about my end of lease options and to get more info on some items on my second account. When I spoke to the representative the information provided was very limited and not clear on what I can do to extend my lease or purchase more miles. Towards the middle of the call the representative advised me I had no options but to wait until the end of my lease. I asked her what are the options for me to turn in early since I was aware leases you can turn in at any time. She advised the fees and credit damage if I turn in my car early. That is when I asked her what will be getting reported to the bureaus. She advised it would be showing that the contract was terminated and that it would affect my credit. I explained to her I was knowledgeable of the credit reporting seeing as I too work with reporting but I asked what would be reported not if it would affect my credit. She proceeded to advise that it would affect my credit unless I wait until the end of my lease. This began to sound like it was an abusive way to keep me in my current lease when all I wanted to is to look at my options to get into a new contract still working through the same company. I called back to file a report and no one was available to do so. This kind of treatment is unacceptable considering how I a consumer with multiple accounts with this organization and this call was to get more information about continuing a partnership. The fact that she provided limited to no options but to wait for me to end my lease makes it a forced on situation on a contract that is known for flexibility to end at any time. To also top it off by saying my credit was going to be affected is deceptive because she is not the credit bureaus to advise my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Block, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Payment was Sent on XX/XX/XXXX around XXXX PM. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XX/XX/XXXX at XXXX PM. The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXX, CA '' on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with XXXX XXXX on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. XXXX XXXX requested no further information or supporting documentation from the claim filer. As of XX/XX/XXXX the dispute was updated and officially denied. On XX/XX/XXXX the dispute filer called the XXXX XXXX support line and inquired about appealing the ruling of said claim. XXXXupport said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXX, CA '' was already requested on XX/XX/XXXX. The merchant declined a refund as of XX/XX/XXXX. CFPB complaint filed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a couple personal accounts as well as a hand full of business accounts with Chase Bank. Because of the amount of funds in the combined accounts, I am not to have any bank fees. Chase was to link the accounts together to prevent this from happening. I have been having fees on some of my accounts and every time I go in there to address the situation, they refund the fees and say the accounts are now all linked together. This has been going on for a handful of years and I have went to Chase multiple times to address this situation. They stated that they have record of this. This last time I contacted Chase and made a big deal about the fees. The branch manager made a complaint with chase. I received a call from the complaint department. After going back and forth for a couple of weeks, they stated that the bank accounts are now linked so I will not be receiving he fees but they can not return the {$2800.00} in fees because the fees were noted on my bank statements and it was my responsibility to notify them in a timely manor. They have not shown to me what the time frame is to notify them for fees illegally taken from my account. Furthermore, I have notified them multiple time which they state they have record of. 

Because of Chases mistakes in linking the accounts togethers, they have been taking funds from my accounts without my permission ( about {$2800.00} ). Once they realized it was a mistake on their part, they addressed the linking issue then stated its my fault that they took my money. In a normal world, this would be considered theft as its a mistake on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX : - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX, XXXX XXXX XXXX IN has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-19
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: Account information incorrect

Complaint:
The below accounts 1. XXXX - XXXXXXXX XXXX 2- XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.

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 2020-10-18
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I opened American Express Blue Cash Preferred Card I was told there was a {$250.00} bonus if I meet the requirement. But one month later, when I contacted American Express, I was told that I was not eligible for the {$250.00} bonus offer. I feel like being cheated by American Express. Plus there will be an annual fee of {$95.00} for this card from the second year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one has an app that monitors my credit score. I see my score improve, I apply for a credit line increase and DENIED every single time. I have had on time payments for over 6 years. My income has steadily risen during this same period. So why am I DENIED? Age? Veteran status?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: AmeriHome Mortgage Company, LLC
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: Account information incorrect

Complaint:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

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