BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. XXXXXXXX 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 XXXX3EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: AmeriHome Mortgage Company, LLC
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 status incorrect

Complaint:
AmeriHome Mortgage transferred my mortgage loan to XXXX XXXX in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. AmeriHome told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX  but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX  told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX  and I was finally able to make my XX/XX/2019 payment. 

However, AmeriHome reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX PL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
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: 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 requested many issues on my report be resolved and many issues still remain

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 2023-06-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  XXXXI XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX  XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX  XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
citi cotsco credit card account. 
On XXXX XXXX XXXX was made An agreement with the account creditor. This account was settled and paid. But still showing as unpaid in to my credit history. Or this is not fair. I already called them several times but they dont want to cancel it as we agreed.

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 2018-09-12
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: Information belongs to someone else

Complaint:
both XXXX and Equifax have taken monthly charges for membership without giving me access online to view my reports. I have called multiple times requesting a refund for the months I was not allowed access and also advised them that as a victim of identity theft, it is my right to have access to my credit report. They have in fact told me, because I am a victim of identity theft that I will not be allowed to access online even when I paid. Neither bureaus has refunded me for the inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: DISCOVER BANK
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 multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3.  XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I was charged {$120.00} & {$210.00} AS NEW PURCHASES USAA Initiated Fraud Investigation WITHOUT MY KNOWLEDGE OR PERMISSION XX/XX/XXXX The charges above were for XXXX XXXX XXXX XXXX {$120.00} purchased XX/XX/XXXX Merchant Credit Applied XX/XX/XXXX {$210.00} purchased. XX/XX/XXXX XXXX XXXX Applied XX/XX/XXXX Clearly, this is done to create FRADULENT CHARGEBACKS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/ 2018 Capital One removed {$1300.00} from my checking account without my consent or authorization. Despite spending many hours on the phone talking to various employees of Capital One, nobody was willing to give me any explanation for why the money was taken. I was simply told that they received a request from another bank that they couldn't refuse. The remainder of the funds in my checking account were mailed in the form of a check to my PO Box , and my account was closed. This caused a very real hardship, as I explained to Capital One that I had a flight booked that very same day to leave for vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
My money git taking from me in they did nothing about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Truth in lending violations. Inaccuracies in the Annual percentage rate, finance charges and the amount financed. Thus violating my consumer rights as defined by 15 U.S.C. at 1605 ; 1606. On XX/XX/2022, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX dealership XXXX XXXX, FL. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of [ {$1000.00} } Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also Act 4 : title 15 use 1635 they didnt disclose that I had the right to rescind the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had Chase mortgage for several years. I was current on my payments until summer of 2019. I contacted the Chase to make payment arrangement and later a modification to catch up on the missed payment. An arrangement was made and I made a payment as agreed. The next month my mortgage was sold/transferred to XXXX XXXX. XXXX XXXX started sending me notice that I am 4 months delinquent and in pre-foreclosure. Since my mortgage was just currently obtained by XXXX, there is no way I should be delinquent. Once I called XXXX, they had no record of the modification that was arranged with Chase and thus did not have to honor the payment agreement. I was not notified by Chase that the sell/transfer of my mortgage to another company would thus make me delinquent because XXXX did not have to honor the agreement and would negatively impact my credit score further. I feel railroaded and treated very unscrupulously by Chase Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Braviant Holdings, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out an installment loan through Balance Credit online. I paid it until COVID. I communicated with the company on numerous occasions and made partial payments. I was working on a settlement agreement with them and did not receive their last email due to it going to my spam folder. I contacted them and was told that my account was sold to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The number I was given to contact went to a lady who simply answered hello. I hung up. I was refused the address to the collection agency. I believe this to be a scam. The phone number they provided does not match either of the named companies above. I am now receiving phone calls from a number in my own state with vague details and threats of legal action if I do not call back and settle within 72 hours.

Company response to consumer: Closed with explanation