BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. 
I have written several letters concerning the negative accounts on my report. I never owned any of the accounts listed below. I filed a complaint on XX/XX/2021 with CFBP, still nothing was done to fox the issue. I also filed an Identity Theft report on XX/XX/2021. My report number is XXXX. I sent in all documents along with my police report several times. I sent in proof of my Identity, notarized all my mail. Please delete the account immediately. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JP RECOVERY SERVICES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted twice by JP Recovery ( XXXX XXXX XXXX ). The first time I was contacted was inXX/XX/XXXX. The agent called and requested my name, date of birth, address without disclosing who was calling. I provided my name to the agent and asked them who is calling. The agent told me they were working for JP Recovery and were collecting a medical debt. When I ask about the debt, who it was with and the amount of the debt they told me they could not proceed unless they confirmed my identity. The call felt like a scam so I did not disclose more than my name. 

After the first call, I downloaded XXXX XXXX and saw my credit was in good standing and there were no debt claims on my accounts. I also called my doctor offices to ensure I did not have an unpaid bill with any doctor office. 

I received a second call today ( XXXX ). The agent asked my name, I verified they were speaking with the correct person. The agent then wanted my birthday. Again they did not disclose who they were calling with. When I asked the agent who I was speaking with the agent refused to tell me who was calling unless I provided them with personal information. I ended the call. I then called back the phone who had just called me and heard on the phone system that the phone number was associated with JP Recovery. 

After the second call, I downloaded a free credit report from XXXX and XXXX and saw that I do not have any outstanding accounts. I also called the local police who discovered the XXXX XXXX XXXX was robo generated, which led the police to also believe I am the target of a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: 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 explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Hello CFPB. Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a text from XXXX XXXX XXXX XXXX stating Chase Bank : Based upon recent suspicious activity, we have identified that your account may potentially be at risk. Visit https XX/XX/XXXXto verify your account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Reporting company used your report improperly

Complaint:
Accounts : CXXXX 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 {$1900.00} Dispute letters were sent to credit bureaus XXXX XXXX  XXXX, XXXX ) on XX/XX/2023 through XXXX certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 non-monetary relief
Consumer complaint received 2020-01-27
Company: ONEMAIN FINANCE CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX a took a loan with one main financial in XXXX, OH, for XXXX at the end of my loan my whole amount will supposed to be XXXX or something around. they did never mentioned that they calculated monthly and annual interest on the whole amount of the loan which is XXXX, when I just took a loan for XXXX. I've being doing my regular and additional payments into the account but they never mentioned that. I spoke with a representative with name XXXX, she said they calculated monthly and annual interest on the final amount which is XXXX. I considered this outrageous and not fair because they never mentioned something about. I spoke with that representative and she told me she spoke with the district manager and that how they do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 49 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
In XXXX of 2016 Capital One Auto Finance recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with COAF, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf

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 2020-07-19
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm writing you today because I noticed an inquiry from your company on my XXXX  credit report on XXXX listed under Kia Motor Finance. I did not authorize this inquiry for credit and have no knowledge of even applying for financing with your company. This listing is in violation of the FCRA and needs to be removed as soon as possible.

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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have called and made several attempts for XXXX to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school two semesters. These people are showing on my credit as a closed loan 8 different times.

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 2021-11-29
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY LOAN SERVICER HAS NOT PAID MY COUNTY TAXES THAT WHERE DUE IN XXXX AND ARE NOW ACCRUING LATE FEES. I HAVE ATTEMPTED TO EMAIL AND CALL MULTIPLE TIMES. THE EMAIL RESPONSES I HAVE GOTTEN ADVISE ME TO CALL, WHEN I CALL ALL I GET IS AN AUTOMATED MESSAGE.

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 2020-07-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Navy Federal stayed reason for my denied was Excessive Credit Obligations in Relation to income And they stated my XXXX XXXX, and I just pulled my score and its 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 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, i was at the gym when my Capital one bank card was declined. I tried to log into my account and was unable to do so. I then went to one of capital one branch locations and i was told the account was closed and they ended the relationship with me. I then called the bank regarding my funds in the account, I was told it will be mailed to me. I tried several times since then and as of now XX/XX/2020, I was told they can no longer help me and can not transfer me to their headquarters or their supervisor. I am no longer permitted to speak to anyone at the bank I have been with capital one for over 10 years and even have credit cards with them. I have {$2900.00} total ending balance. 
I have kids to feed, and i haven't been able to keep up with payments. I run XXXX XXXX XXXX to keep above water, this amount might be small to others, but to us is a lot. Its bad enough with all that is going on now, this fund can go a long way for my kids and i. 
PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX could you please provide me a copy of proof from your e Oscar system on what date and year and month that you in fact entered the the dispute mark on account XXXX and XXXX I have asked you for this information in the last investigation and you refused to send me factual proof! That you in fact follow FDCPA RegulationsSince you refused to send me any physical documents this information is unverifiable due to the fact that the dispute are not showing on any of the three credit bureaus. I have all three bureaus open up an investigation the law requires you to enter this information Failure to do so will result in violation of the FDCPA please send me physical proof or delete this account Experian XXXX XXXX  If you could as well provide me a copy of the month date and year and the time that XXXX claim that they entered the information chase with your reckless and Negligence on reporting is unexpected. Remove these two violations 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 2023-05-27
Company: EQUIFAX, INC.
State: IA
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 XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: Account Management Services, Inc.
State: CA
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:
Checked XXXX report and noticed derogatory reporting. I disputed derogatory for having no knowledge but item was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
There is an account that is showing up on my credit report that is reporting wrong information. I have contacted the XXXX  and they said they do not fix credit bureau items. I have asked Experian countless times to remove this account from my report as it is showing wrong information. They send me letters saying the account was verified by the client. Yet they are still reporting the wrong 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 explanation
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Same XXXX  that started in XXXX when I notified Chase, XXXX  and other credit cards that I had at the time that I was disable and had to stop work SO I ask them to freeze my accounts! I use these cards in my business!!! I kept one card open! That when it seems that money was being transferred out of these accounts to a XXXX XXXX Fake account!! I call em they replayed " we take care of!!! You do not worry '' this when on till XXXX when I finely payed off them the amount that I did owe NOT the amount that they illegally moved to XXXX XXXX Fake account!!! 

About two month ago I received a massage from my banks security company that there were some transfers of money that seem fishy!! To a company using the name XXXX XXXX>>> Not the real company!!! Funny is that it was the same amount that CHASE said that I owe them!!!!! My bank canceled that card and gave me a new one<<<<< And I am still getting letters and phone calls from them stating that they will keep reacking my credit until I pay them!!!

Company response to consumer: Closed with explanation