BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX XXXX, EQUIFAX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX 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 2019-12-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS

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 2019-12-30
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've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CarMax, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ive been mistreated and Mislead from day one.XXXX Carmax Auto SuperStores , Inc has failed to provide validation of the debt, has repossessed my vehicle XXXX XXXX, and rejected my payment tender to recover my vehicle as of XX/XX/2022. They have broken the laws Congress 15 usc 1692F, 15 USC 6802, 15 USC 1692A ; K. The amount that was financed to me and/or credited on my behalf was {$29000.00}. The cash value of the car was {$30000.00}. Carmax practices in TILA but they are not doing their due diligence to make sure consumers rights are protected at the time of the consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I booked a flight for 3 on XX/XX/19 for XX/XX/19. I called Chase on XX/XX/19 to change two of my tickets return date. I received a confirmation email from XXXX about the changes and was provided the full itinerary. On the day of the flight, we were unable to check in due to part of the itinerary being missing in their system. We called all airlines involved and Chase to figure out the problem. Someone from chase confirmed the person that made the flight change did it incorrectly. We ended up missing the flight and having to rebook a couple days later. Chase admitted it was their fault, and only offered to refund the amount in airline credit if we decide to cancel our trip. They even tried to charge me ticket difference and change fee for rebooking but I convinced them they should pay for it. I believe I should be able to proceed with my trip and still be reimbursed for the trouble that Chase had caused on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX   Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018

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 2023-04-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have tried 3 times for Experian to remove 17 unauthorized inquires, my credit information was released by XXXX on the dark web and ever since several attempts to view and obtain credit in my name have been made. 
These companies have no permissible or authorized use to view my credit and Experian is compliant in identity theft

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-12-04
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/2023 I received a credit notification that my credit rating dropped by XXXX points due to a reported late payment on my Credit Card ending in the number XXXX. My account was not late. I confirmed this by calling your customer service department the same day. They reaffirmed that my account was not late was was never late on a payment. A late payment was submitted to my credit report unfairly. 
I kindly request you remove the late payment notification from my account and restore my credit score. I am a good and loyal customer and it is my hope that you will take care of this matter quickly.

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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Chase credit card with XXXX XXXX. It has an annual fee each year. I called at the beginning of my billing year to cancel the card ( completely close it out ) and avoid paying the yearly fee of {$60.00}. The customer service specialist said that he closed my account and credited my account for the fee and that this would be no problem. <P/>A month later I got a notice saying that not only was my account still open, but I had a late fee and interest for not paying the annual fee! I called them back to close my account and get credited back for the annual fee and the late fee that was erroneously charged, but they would n't let me. I got to a supervisor that said that there were no notes on my account that said I called to cancel, but that there was a record that I called. <P/>My account still is n't closed and they are conducting an investigation of the previous call and they wo n't refund my annual fee. They said they would call me in 7 days but I 'm not confident that they will do anything, since they could n't even close my account right the first time. <P/>As far as I know, my account is still open, too. I 'm not sure what I have to do to make this card go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My husband and I took out a home equity line of credit and the bank forgot to disclose they would pay off the balance on the account as well as close the credit card accounts. We signed the documents with the bank and closed but when I called Capital One to explain there was an error in closing the account and that I would like to reopen the account the denied being able to re-open. This happened with another credit card of mine and they were immediately able to rectify the situation. I called several times and placed several tickets, speaking to a supervisor but they stated they could not re-open the account even with my authorization confirming I did not want the account to be closed. The bank we closed with will not send a letter to Capital one because they forgot to disclose and was on fine print in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: HW Holding, 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: Account status incorrect

Complaint:
Balance {$3700.00} Dear Sir or Madam, On XXXX XXXX, 2021 I notified Hunter Warfield Inc in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Hunter Warfield Inc refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Hunter Warfield Inc under the Dodd-Frank Act. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous 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 2017-10-25
Company: Commonwealth Financial Systems, 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: Account information incorrect

Complaint:
On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX  ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting 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 non-monetary relief
Consumer complaint received 2022-01-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$2300.00} on XX/XX/2022 in my SunTrust/ truest checking account. They put a hold on the check saying that it was for verification purposes on my side. The law says that no Bank can hold your money longer than six business days the customer service told me that the deposit was scheduled to enter my account on the XXXX of XX/XX/2022 they are breaking the law.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These accounts are fraudulent : XXXX XXXX {$290.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MI
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with SunTrust ( now Truist ). 
Beginning in XX/XX/2020, we participated in the COVID relief program which provided us with a limited forbearance opportunity.

Through the program, we were allowed to postpone our mortgage payment for three months. 
At the end of XX/XX/2020, we contacted SunTrust and officially ended our deferral program. 
We resumed making our bi-monthly payments at the beginning of XX/XX/2020. 
Our on-line records show that we have been making those payments since XXXX however none of those payments have been going towards our mortgage. Our current statements show that we are thousands of dollars in delinquency. 
We have called and emailed our loan agent at SunTrust many times but have never received a reply from her. We have only been able to have discussions with front-line agents who can not give us any useful information. 
We have NO idea where that money is going and we have continued to be in 'delinquency ' for several months - prohibiting us to refinance and purchase another property. 
The fact that no one has helped us is absolutely unacceptable and we question the legality of all this.

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 2023-08-24
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:
My XXXX  account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, XXXX and Equifax for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done and was results from XXXX, XXXX and Equifax was that the merchant XXXX will not update to good standing and no late payment.

Company response to consumer: Closed with non-monetary relief