BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
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 information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found four items on the report that are inaccurate and the account in question is ... ... 
Please advise why that in the year of 2015 why this account was reported as 30 days past due from XXXX XXXX for four consecutive months? Also, if you reported that payments were late four times how is the payment history of 92 % accurate. Please see my calculations.35 payments- 4 late payments=31/35=88 % Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system but send me copies of the documents that you have in your files that were used to verify this information. 
If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete the negative payment remarks immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed above within 30 days of receipt of this letter then you must remove the negative information from my credit report and at this time I am requesting that all NEGATIVE PAYMENTS BE REMEOVED FROM THE TRADE LINE. I REPEAT AGAIN, DO NOT REMOVE THE TRADELINE ONLY THE NEGATIVE REMARKS! In addition, please provide me with a copy of an updated and corrected credit report showing these items removed with an updated payment on time percentage changed to 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
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:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/19 I deposited {$140.00} dollars to pay my car insurance bill around XXXX XXXX exact into my new bank of america card and instead of an employee putting a sign stating the ATM is broken or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a receipt stating that they can not process my request or return my items and to call a number provided from bank of america. They told me to wait two business days and now I was told 48 more hours or till the XXXX of XXXX, or even 45 business days. It's ridiculous how I have to wait for my money to get credited in my account, which now I'm late paying my car insurance because of this bank 's employees. 2 weeks before this, I deposited my check from my job. I was told it'd be one business day, I called bank of america and they told me till Monday then I called Monday and the money took a whole week on Friday to release the hold on my funds. I've only had this bank for a month and they always hold my funds. They don't want to release the 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 monetary relief
Consumer complaint received 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A lawyers group called XXXX XXXX  XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX county nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XX/XX/XXXX. 
The credit card was supposedly used in XX/XX/XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XX/XX/XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/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 2020-05-18
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 belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX Wireless Telephone Service Provider Inquiry date : XXXX XXXX, XXXX XXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on time payment where made since XXXX I have printed a copy of last 4 payments to show that this account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint. 

Thank you, 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 2020-05-18
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX Wireless Telephone Service Provider Inquiry date : XXXX XXXX, XXXX XXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-12-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX. Account # 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 2019-08-15
Company: EQUIFAX, INC.
State: AL
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 have sent several letters to Equifax stating the inquires was without my permission, I have several inquires that have high impact. The representative stated '' I had to make a complaint before anything can be remove ''. Please assist me with you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Debt Recovery Solutions, LLC
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balance listed as a charge off/write off has been increasing its balance each month. This account was charged off in XXXX of 2020. Based off this charge off the balance should not be increasing at all. However the balance is increasing every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANS UNION emaailed me my credit report and I can't open it.I called them without getting assistance.

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 2018-09-26
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed:XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2019-08-15
Company: AmeriFirst Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
* Company failed to provide notice of transfer per 1024.33 ( b ) ( 3 ) * Company sent mailing asking for payment of mortgage after loan was transferred to another servicer and marked as closed with credit reporting agencies * Company has caused significant delay in insurance claim process by failing to transfer relevant paperwork to the new loan servicer. 

After our loss ( due to fire ), we filed the requisite paperwork with AmeriFirst to initiate the loss draft process. After over a month of delay with no word, I called to inquire as to the cause of the delay. On XX/XX/XXXX I was contacted by an employee named XXXX XXXX, who verbally informed me that my loan was being sold to a third party. His verbal notice was not within the timeframe described by law, nor did it contain the disclosures required by law. 

On XX/XX/2019 I received a bill from AmeriFirst asking for payment on the loan, due XX/XX/2019. This mailing was sent after the effective date of transfer, and references a billing month after the date of transfer. This notice is confusing, and could have resulted in errant payment being sent to the wrong financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: GA
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:
There are accounts reporting on my credit report that don't belong to me. I contacted Equifax, XXXX, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.

Company response to consumer: Closed with explanation