BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violate my rights. 


15 U.S.C 1681 section 602A. 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 written instructions.

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine 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 2020-07-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHO I DISPUTED AN ACCOUNT WITH IN 2019 HAS SENT A DEBT TO A COLLECTION AGENCY AND PUT THIS DEBT ON MY XXXX AND XXXX REPORT. I HAD THIS ACCOUNT DISPUTED AND REMOVED FROM MY XXXX REPORT. IN 2019. THIS COMPANY HAS SENT A COPY OF A BOGUS CONTRACT WITH MY NAME ON IT AND STATING I LIVED THERE AND THE REASON I LEFT WAS I WAS BUYING A HOME AND IT SHOWS WHEN THE LEASE EXPIRES WHICH IS NOT TRUE. I HAVE TRIED TO REASON WITH THE COLLECTION COMPANY ON SHOWING ME A CONTRACT AND PROOF. THEY HAVE NOT PROVIDED VALID PROOF. THIS ACCOUNT NEEDS TO BE DELETED. I HAVE NEVER LIVED OR SIGNED ANY CONTRACTS WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint with the CFPB because I was wrongfully and and inaccurately reported to the credit bureaus. I am in utter disgust and I feel as if the company I put my trust into and failed me and its effecting my livelihood by reporting false information. As far back as XX/XX/XXXX up until today XX/XX/XXXX I have called the Capital One numerous times about how the Covid-19 and how this pandemic has hurt me and my family tremendously Ive called and spoke with various different representatives explaining to them that Im in a financial hardship and I was told that they understand and would not be reporting negative information on my credit report. Im not currently working just like millions of people around the country and for a trillion dollar company to continue to lie and give me misleading information it truly does hurt. As of today my credit report is reflecting 60 days late yet the only correct information Ive received and action that was taken was a past due fee being removed. Ive filed a complaint and even went as far as an investigation and still have received different false information regarding Capital One still reporting negative information to my credit report. Every single customer service representative gave different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Kriya Capital, LLC
State: AL
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: LEXISNEXIS
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:
Regarding the following : XXXX XXXX XXXX XXXX XXXX TAX ID is XXXX I have made multiple calls and request since XXXX of 2018, and each time I've been told by a XXXX XXXX CSR that they will send me a report but yet to receive it. 

This is an ongoing issue with XXXX XXXX and they have don't respond or ignoring my request. Federal Law requires that they should provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided them with additional documents and information shows differently. Therefore if the reported items are inaccurate, misleading or incomplete ; XXXX XXXX may have violated the Federal Law. 

Also, I requested this investigation on XX/XX/2018 and now it is almost 6 months with no concern or proper respond. Please investigate this inaccuracies and delete the incorrect reporting from my company 's record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2023 I was alerted by my landlord that I hadn't paid my rent for the prior month ( {$2200.00} ). Knowing I had, I looked up the check on Chase 's website and sent the photos of the deposited check to the landlord. They pointed out that it was not their endorsement on the back.

I immediately called Chase Fraud Services and explained the situation. They gave me a " Declaration of Unauthorized Endorsement or Altered Item '' form to fill out and have signed by the landlord stating they hadn't endorsed the check. I completed the form, had it signed by the landlord, and returned it to a local branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for them to send to Chase Fraud Services on the same day ( XX/XX/2023 ). 

Having not heard from them since I brought them the form, I called today to check on the status. They informed me they were still waiting on the Declaration form ( the one I had dropped off at their branch months before ). I went in to try to figure out what happened. I spoke with the same woman who had helped me previously and she showed me that she had faxed the form on the same day and received a confirmation number. She called the claims department and they said they can't find it. I asked if they can look given the confirmation number the banker had. They said they couldn't and that I'd again have to go get the form signed by the landlord. 

This, to me, represents two institutional-level failures- cashing a check to the incorrect person, and the mismanagement and/or destruction of relevant materials for a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date XXXX XXXX This account credit acceptance corp are reporting on my credit profile is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.

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 2022-12-03
Company: Convergent Resources, Inc.
State: NC
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-09-18
Company: Premier Auto Credit
State: CA
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:
Account : allied collection service ( premier auto ) collection bureau of a 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Recovery Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National recovery has not responded to a debt validation request that was sent on XX/XX/XXXX with no response within 15 days that has not been verified have attached information with no name for original creditor no name from the company sold please see attachment

Company response to consumer: Untimely response
Consumer complaint received 2021-05-06
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for Citi XXXX XXXX Credit Card in XX/XX/2021, and was approved. 

Because the terms and conditions said that the welcome bonus offer is not eligible for customers who have received an offer within the last 48 months, I called Customer Service right after I was approved. The representative confirmed that I am eligible. 

So I made a large purchase on the card. 

However, later, Citibank notified me that I am NOT eligible for this welcome bonus offer.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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:
I sent a letter to the Equifax Credit Bureau on XX/XX/2022, to correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again to correct the account in my file. 
XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not have a current contract with company. Old contract was terminated due to company 's retaliation/ negligence/XXXX. I asked company via certified mail to cease and desist. I do not owe anything. They are giving the credit bureau the incorrect information. Not providing any proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
There are inquiries from American Express and XXXX XXXX and XXXX XXXX on my XXXX Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my XXXX credit report XX/XX/2021 with American Express is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023. I made a purchase at XXXX for {$22.00}. On XX/XX/2023 I received a notice that my transaction was updated to {$44.00}. I was double charged by Cash App. They took {$44.00} out of my account. I want my money back. They double charged me for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have too many inquiries that have been affecting my credit and generally way of life to get the simplest credit card. I get denied for everything. Come to find out I dont recognize almost 98 % of those inquiries. 

I asked XXXX  to show me proof of me inquiring for those accounts. I know they cant. But they needed up considering all of them accurate. So I requested proof from them. Waiting to hear back

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 2020-04-15
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my mortgage with AmeriSave mortgage corporation MNLS ID XXXX. My loan originator was XXXX XXXX MNLS ID XXXX. The pertinent dates are XX/XX/XXXX through XX/XX/XXXX ( loan closed ). The basis for this complaint is transparency with lending fees and bait n switch with fees disclosed from initial fee arrangement to closing. Pertinent communications are attached to this compliant. 

On XX/XX/XXXX I initiated a 25-year mortgage refinance. XXXX provided documentation that the lender fees would be {$1200.00} and XXXX agreed to lower the lender fee from {$1200.00} to {$720.00} - a savings of {$500.00}. XXXX shared that those fees would not be subject to change. Please note the {$1200.00} figure was not consistent with the online quote site but it was close. 

Approximately a week prior to close I received several loan disclosure forms with lender fees much greater than originally agreed to. The first loan disclosure discrepancy I spoke with the loan processor who was able to access the original lender fee documentation provided by XXXX ... my loan processor referred the issue back to XXXX. XXXX proceeded to ask me to forward the documentation I had as evidence of the lender fee agreement despite this information being available to him through his own company documentation of my file. He proceeded to discuss the discrepancy with his manager. A revised loan disclosure was prepared with lender fees much higher than our original agreement. I responded to XXXX for an explanation and he said he would investigate. A third disclosure through email which again was inconsistent with our original discussion was received. XXXX shared I was getting a great deal by only paying a lender fee of {$1200.00} ( which is the lender fee posted on the site originally ). XXXX shared he made an error with his original estimate. 

All of this concerns me from a process and company integrity perspective. First, if I did nothing how much would I have over paid based on that first disclosure ... how many other consumers who might be less informed and more vulnerable be over paying. Second, why is the organization not honoring their agreed to lender fees. Based on the lender fee agreement on XX/XX/XXXX to XX/XX/XXXX the fee jumped 70 %. That should not be within any tolerance standards for a company ... let alone should a consumer experience that sort of disparity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
All of this information is available in my account. I applied for Public Service Forgiveness on XX/XX/ with my employer verification. I am showing 120 qualified payments which should qualify me for discharge. I received a denial letter on XX/XX/ even though I met all requirements. I called on XXXX the lady I talked to saiid it was an erroneous letter and I was being sent for final approval which could take up to a month. It has been a month. I have sent Mohela three messages beginning in XXXX and received one form email that addressed none of the issues. Mohela has no capacity to answer the phone or messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: JPMORGAN CHASE & CO.
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 have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation