BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Capital One last 4 digits XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a fraudulent message pretending to be from chase bank saying my account was compromised and a transaction of about {$200.00} was made from my account and I was told to respond " No '' in order to stop the transaction. I responded to that message and I immediately got a call from the number " XXXX XXXX XXXX XXXX " this number almost looked similar to the chase customer service number so I wasn't detecting any suspicious activity at first. This person then told me my account information was compromised and there was another unauthorized transaction of about {$2000.00} about to be made from my account. In order to stop that transaction from happening I was told to remove the Primary contact information on XXXX from my phone number to my email and then was told to transfer {$2000.00} to my number itself. As soon as I did that I checked my transaction history on my chase account and noticed a transaction of about {$2000.00} was made to myself under my name. I also got a message from the XXXX XXXX saying a transaction was made. I do not have an account in region 's bank. Additionally I had also read about this XXXX XXXX happening to a lot more people and have also attached a link to a news article for your reference. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX THIS IS NOT SUPPOSE TO BE ON MY CREDIT FILE THIS IS ALREADY PAID AND THEY ALSO TRIED TO MAKE ME DOUBLE PAY FOR THE SAME THING, ON XX/XX/2019 THEY HAVE ME OWING {$330.00} AND AGAIN ON XX/XX/2019 THEY HAVE ME OWING {$330.00} THE SAME PRICE BUT DIFFERENT DATES ANS YOU ALL CAN SEE THIS IS AN INACCURACY PLAIN AS DAY. THEN IT SAYS I OWE {$970.00} ON XX/XX/2019 ALL OF THIS IS NOT RIGHT THEY NEEDS TO SEND ME PROOF OR DELETE THIS IMMEDIATELY I DONT WANT NO PHONE CALL OR LETTERS SAYING THAT THEY INVESTIGATED IT I NEED TO SEE PROOF WITH MY SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Cogent Road, Inc.
State: VA
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 filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2022 I sent dispute letters to XXXX, Experian, and XXXX. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.

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 2022-02-11
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2022 I sent dispute letters to XXXX, XXXX, and Equifax. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: AL
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 account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX for the amount of {$3000.00} XXXX XXXX for amount of {$740.00} This company is persistent with contacting me when I informed them I am not the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. 

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of fraud I have had alert on all three Credit bureaus XXXX, XXXX, and TransUnion. Neither company have removed the inquiries. I am very angry and on top of being a middle class single parent. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.

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 2018-01-02
Company: National Credit Systems,Inc.
State: TX
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:
We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2019-08-01
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We did a refinance through quicken loans and now just found out it was put as a second on our home we have tried to get the paperwork on this harp they did for us and we cant get any paperwork to find put exactly what they did to us they never told us it was a second mortahe on our home and we are trying to get a line of credit for a hvac unit we desperatly need and wete told we have to have this paperwork and quicken loans wont give us the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had listed an item for sale in XXXX. It was listed for {$300.00}. 
Somebody by name XXXX XXXX XXXX ( XXXX ) contacted via gmail and text indicating she is interested to buy my product. She sent an cashiers check for {$1400.00}, indicating that additional amount is for her friend who is getting some more items for her and also help in shipping bunch of stuff to her. She asked me to deposit the cashiers check. I did the deposit in ATM ( BOA ) and ATM did not recognize this as fraud check. I am pretty sure even depositing via phone bank app would have resulted in the same way. 

Next day evening, she contacted me again and asked me to use XXXX app to transfer remaining funds ( total - {$300.00} ) to her friend XXXX. After 3 days, BOA declared the check as fraud and started saying that we do not track transactions and XXXX is like XXXX XXXX money transfer. BOA does not have any contact numbers for XXXX customer support as well. According to BOA, Apparently XXXX do not store any customer details at their side and store only phone or email information. 

The lady was using XXXX number at her end and there was no legit way to track that. 
Next day, same lady XXXX sent another cashiers check which I took it to BOA teller and the lady was not able to distinguish whether it was original or fake check. I asked her to call the other bank with account details to ensure if cashiers check was issued by that bank and we found out that to be fraud. 

Later checking online, I am seeing both banks and XXXX is saying we cant support such cases even though they can do that. One example being XXXX XXXX. 
See the link below : XXXX XXXX XXXXXXXX I have filed both police and FBI reports and have all correspondence with me. Please help me in getting my money back. If the cashiers check was identified as fraud initially or if XXXX could keep track of sender and recipient as it is in partnership with banks, these problems would not have seen. Along with trust, they should have relevant control to help consumers. I am also worried for lot of non aware digital technology people being XXXX by such scams and apps.

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 2017-07-13
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: Account information incorrect

Complaint:
I contacted Transunion on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Transunion they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: AZ
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:
EXPERIAN continues to violate my as a federally protected consumer. This is my second complaint about this matter. I was denied for XXXX credit cards I applied for because EXPERIAN furnished accounts with high credit utilization on my credit report without my written instruction to do so. Pursuant to the FCRA, 15 USC 1681, credit reporting agencies ASSUME the role of reporting. Their assumption has caused me to XXXX denials of my own credit further causing me much mental, emotional and financial distress.

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 2018-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting letters from Portfolio Recovery associates in regard to a XXXX account. I sent them a certified letter stating I wanted to validate the debt. All they sent was a statement from XXXX with an amount. I have NOT ordered anything or approved any purchase from XXXX since long before 2010. I do not have any information as to what I am suppose to have ordered, so I have no idea what Principal I am suppose to pay on. I did talk with them several months ago and they said I had an extended warranty on there, but again, I have no XXXX products nor have I ordered any thing from XXXX in well over 7 years. When you purchase a car, you know what your paying on. With XXXX and this collection agency, neither have provided any information as to what I supposedly ordered or I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

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 2017-07-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation