BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, Equifax and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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 confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a deposit from the US Department of Treasury for {$280.00} which was suppose to credited to my account and still hasn't posted. The bank is Chase Bank. And the thing is they are trying to tell me old transactions took my money but the payment wasn't posted untilXX/XX/2021 and was suppose to be posted onXX/XX/2021. I am being told my money went to those transactions but when the transactions were made the money was taken right then. I feel that my money is being taken from me for the banks mess up. This is at Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am looking at my credit karma on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with capital XXXX XX/XX/XXXX which i never applied anything for and another XXXX on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.

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 2020-05-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My name, my credit files, and my integrity all has been compromised by either theft, the dark web, Equifax breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX  {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXXt XXXX ) XXXX   XXXX XXXX  XXXX NA XXXX ) Dept of ED/ XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have ask the three credit bureaus to verify the accounts on my report by showing me a contract bearing my wet ink signature or what laws they have used under Title 15 u.s.c.1681 to verify the accuracy of the trade lines on the report. I have received no response in writing as requested and they continue to report the inaccurate information. This is a direct violation of my consumer rights under Title 15 U.S.C. 1681 as willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$470.00} XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4900.00} DPT TREASURY XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: World Omni Financial Corp.
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:
Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a vehicle like this with this company. Someone stole my information and apparently purchased a car, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my credit card account without notice on an arbitrary date ( XX/XX/2020 ) due to inactivity. I called to restate this card that I had for many years ( over five though less than ten ), and they told me it was not an option to restore the account in accordance with ever-changing terms and conditions. What they did to me sounds suspect, as action was taken without any notice two days prior to a second quarter end during the COVID crisis. This action adversely affects my credit score and inhibits my ability to refinance a house or make other credit-based decisions. The credit damage can not be fully restored by opening a new account, since age of account matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
First off I DO NOT have a paypal account. I used the XXXX   website to purchase a accessory for my XXXX and that site apparently uses PayPal to process the credit card transactions well now I have several unauthorized charges on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had my card lost and my wallet missing and I have filed for fraud and Bank of America denied it

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 noticed that my credit score went down and I have great credit so this was a shock to me. There seems to be a collection account that doesn't belong to me from a " XXXX XXXX XXXX ''. I checked into the original debtor and its somewhere I have not been or used their services.

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 2017-09-22
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

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 2023-02-06
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a note saying I owe {$870.00}, this is INCORRECT! I owe you all NOTHING!!! This information is false!!!!!!! I would like to dispute this now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is not mine SPEEDYCASH COM XXXX CA Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX - reported XXXX late XXXX student loan payments in Violations of the Fair Credit Reporting Act, XXXX U.S.C. XXXX. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. XXXX XXXX. XXXX, XXXX Stat. ___ ( XXXX  ) ( the XXXX XXXX XXXX, by, among other things, inaccurately reporting information about student loan payments that were suspended under the XXXX XXXX. 

A class-action lawsuit is needed.

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 2020-05-31
Company: Experian Information Solutions 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:
I have been sending evidence of incorrect reporting on my credit file and I want it deleted per the FCRA. Information on my credit report is suppose to be reporting 100 % accurate and I have sent attached documents that creditors are reporting incorrect information. I have sent multiple disputes and nothing continues to be fixed or deleted. I will be attaching documents of proof that Experian is reporting incorrect information and they will not investigate my claims or send me proof as to who they spoke to when investigating.

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 2022-08-08
Company: Experian Information Solutions 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 XXXX 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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.

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 2019-11-05
Company: ERC
State: PA
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: Investigation took more than 30 days

Complaint:
Enhance Recovery continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was 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 2020-05-31
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

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 2018-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, EQUIFAX, XXXX, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, EQUIFAX, XXXX, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and EQUIFAX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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 is missing that should be on the report

Complaint:
I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my consumer report ( XXXX ), I discovered an account that wasn't mine. It was a Capital One account that was at issue. I reported the fraud to XXXX, provided all the necessary evidence to support my claim, and they conducted a dispute. When the dispute was resolved, it was verified that I owned the account. I don't have a Capital One account for that much, so I know this can't be true. I don't own this account, so it needs to be deleted on my consumer report right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

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