BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In reference to your attached letter, let me know the date on which you report to Equifax to remove hard inquiry. 

Please don't mark it as duplicate as though you wrote that you WILL report masking hard inquiry, the hard inquiry is still not removed from my credit report. 

Therefore let me know the exact date when you reported to Equifax to remove the hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had multiple inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts Account Name : XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: GA
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: Information that should be on the report is missing

Complaint:
I've tried Several different times to resolve this issue with experian there are serveral inccaurices one my personal information my consumer report such as addresses and inaccurate items attached to those addresses

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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
This is more to add to complaint ID : XXXX Chase Auto called on XX/XX/2023 and told us they found the error and that the funds we paid were applied to the wrong account and the repossession was invalid. The gentleman I spoke with told me that the car would be towed back to my home on Thursday, XX/XX/XXXX, or Friday XXXX. I heard nothing by late afternoon from Chase on Thursday so I called them and they said that they are working on getting the car released back to me and will call the next day. I called again today ( Friday ) because once again by the end of the day, I heard nothing I was transferred to 4 different departments in Chase and no one knew what was going on. The car is supposed to go to auction On Tuesday, XX/XX/XXXX. I am trying to prevent that from happening because that will be another huge mess to deal with with a company that doesn't care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am in my 3rd attempt to dispute a charge from XXXX XXXX XXXX for a Project that was cancelled via text with his salesman XXXX XXXX. My husband signed the Agreement back in XXXX of XXXX and due to the lack of feedback from the company for a month we cancelled the job on XX/XX/2022, and they know the project was cancelled because they charged my account {$10000.00} in early XXXX. There was never any work performed or any items purchased, the owner of the company contacted us several weeks after the cancellation insisting that we allow them to continue the work informing us that if we allowed someone else to do the work it would be bad. After several emails and text he realized we were not going to let them do the work so he told us that he would charge us a cancellation fee ( {$10000.00} ). The Project never started the only documents that was ever signed was the agreement by my husband and I am being forced to pay for literally nothing because Synchrony accepts his fake paperwork. XXXX could not have purchased anything on our behalf because the design was never finalized, my husband didnt sign off on anything other then the agreement and I signed up for the Synchrony account thru their salesman. XXXX XXXX the owner sent unsigned documents as proof that they did work to Synchrony, insisting that we allow them to do the work and at the same time saying we didn't cancel. But then acknowledges that we did cancel and that we didnt receive a cancellation notice because he needs to send it to us. The documents synchrony is accepting is being created by XXXX to continue the lie because all we have from them is the initial Agreement letter, that only my husband signed. Again we didnt sign anything and didnt receive anything from Keystone not even the documents needed to start the project for the HOA. I dont understand why synchrony is taking his documents as proof without allowing me the opportunity to dispute, my account is being scammed by this contractor. I have attached the emails and the lawyers document along with Texas consumer law 601 regarding cancellations ( they can not be done electronically ) I have to have a signed copy acknowledging I understand their policy. Furthermore we didnt sign a sales slip or cancellation notice as I was informed by Synchrony customer service agent, he provided this after my lawyer sent a letter telling him that he was in violation of the Texas consumer code involving cancellations. I am being asked to prove that I am being frauded how do I do this when XXXX can make up documents with not wet signatures to prove they are right? Case # XXXX Synchrony Design Account

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 monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
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. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: VA
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, illegitimate Accounts : XXXX XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX 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

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 2018-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have already submitted several complaints regarding this vehicle. I asked wells fargo for a refi and loan assistance. They said they would look into situation and do everything to help. So far they have purposefully delayed answering and refused to provide a refi or any type of assistance. My last request was for a copy of the original installment and/or loan agreement which they have failed to send. I asked for it 3 times last request on XX/XX/2018 both in writing and speaking to a rep. The vehicle has been placed on non op status due to being a manufacturer defect and having 2 open recalls on it. Wells fargo has been aware of this and now wants to repo this car.

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 2023-09-14
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Cfpb closed my new complaint dated XX/XX/XXXX this is not a duplicate complaint this is a new complaint for another account at Titlemax at another location I have had this account since XX/XX/XXXX and my payments are {$190.00} monthly and I am nowhere close to paying off this loan and I have paid in a total of {$14.00}, XXXX and XXXX threatened to repossess my vehicle in XX/XX/XXXX I can not afford to keep paying on this account the original loan is nowhere close to what I have already have paid into this loan to Titlemax and the pay off amount originally was {$1700.00} I have given them XXXX, XXXX dollars for over XXXX years this is not fair to keep taking my money from me they're clearly taking advantage of me please help me to end this cycle of unethical practices. Remember this is a new complaint for Titlemax at another store in XXXX under the same name XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to seek your assistance regarding an issue I have encountered with National Credit Systems. On XX/XX/2023, I sent them a pay-to-delete letter, as I am trying to rectify an outstanding balance of {$4900.00} reported in my credit history. 

In the letter, I proposed a pay-to-delete agreement in accordance with the Fair Credit Reporting Act ( FCRA ) and the 15 USC Codes. I offered to make a payment of 10 % of the total debt, amounting to {$490.00}, as a gesture of good faith and as an effort to resolve this matter in a mutually beneficial manner. I believe a pay-to-delete agreement would be advantageous to both parties and would encourage an amicable resolution to this matter.

Under the FCRA and the 15 USC Codes, consume
rs have the right to dispute any inaccurate or incomplete information listed on their credit reports. I understand that National Credit Systems is given a response period of 15-30 days upon receipt of the letter. However, as of today, XX/XX/2023, I have not yet received any response from them regarding the proposed pay-to-delete agreement, despite their obligation to respond within the stipulated timeframe. 
I am contacting you, the Consumer Financial Protection Bureau, to assist me in this matter. I am hopeful that your intervention will prompt National Credit Systems to adhere to the FCRA and the 15 USC Codes by considering my pay-to-delete proposal and responding accordingly.

I would be grateful for any advice or assistance you can provide, and I am more than willing to supply any additional information you may need to handle this matter effectively.

Thank you in advance for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: WA
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:
This complaint is aimed at the three credit bureaus ( XXXX, Experian, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.

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 2023-04-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I reached out to Barclay because my interest was higher last month even though I made a payment and did not use the credit card. I say that in a month 's time the interest went up 0.25 %. I called and they said there was nothing they could do. I looked back at other statements and they had done the same thing. I never received the 45 day notice that my interest rate was increasing. The first undisclosed raise was in XX/XX/22. No emails, no letters, or any other types of notification. The same happened with XXXX XXXX, XXXX, and 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