BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: MN
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 contacted the credit bureaus Equifax, XXXX and XXXX requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U S C 1681 Section 604 A Section 2- It also states a consumer renortinoadency can not furnish a account without mv 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 2022-09-01
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2016-02-03
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Called Capitol One Auto Finance for assistance with a deferment and it has been denied multiple times. Requested a call back from upper management. Supervisor/manager called 5 minutes before the end of the business day. Tried calling back, but with ALL the ad 's capital one Auto Finance has it was impossible to get to someone. Left a message for the same Supervisor/Manager. But never heard back from her. The reason that I need an extension/deferment for the month is to get back on track with payments. But what Capital One Auto Finance is doing is charging more interest, & late fees. Capital One office of the president girl I spoke with on XX/XX/2019 was NOT trying to help in any way. The only thing she said was " the account is new, and we can not do anything for you " capital one changed it's policy, so we do not give any help when a life event happens. It is very difficult for some to get an extension ... I am very disappointed with this auto finance. The only thing this company wants is to collect fees, interest and hit my credit month to month, nothing else. I'm going to make sure that I post my story on social media, so that other people that get approved for Capital One Auto Finance don't sign a contract with them ... this Auto Finance is the worse company I have to deal with!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I initiated an online transfer from Chase bank ( https : //www.chase.com/ ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first added my XXXX account information at Chase online bank using XXXX  ( I only need to log in my XXXXXXXX XXXX  through XXXX  at Chase online bank, then Chase can verify that is my external account ). However, this time XXXX/Chase system fails because it assigns me wrong XXXX XXXX XXXX in my chase external accounts ( I only find it was wrong when I contacted XXXX  on XX/XX/XXXX ). Then I initiated transfer of {$2800.00} from chase to XXXX  on XX/XX/XXXX ( Please see attached XXXX  ). I didn't receive the money in my XXXX  account. I contacted the XXXX, and they said they didn't use XXXX  system and the money went to the wrong account, and then can't do anything ( Please see attached screenshot ). I contacted Chase, and Chase they also can't do anything because the transfer is a success. Then I asked chase, 1. did you know XXXX? They said they didn't know. 2. How can Chase verify that is my XXXX account if XXXX account information is wrong? 

I asked both Chase and XXXX  to to a three way phone call and they both said they can't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a fully satisfied loan from Affirm, satisfied XX/XX/XXXX. In XXXX of XXXX the company that was the retail partner I made my purchase with issued me a refund of {$500.00}. XX/XX/XXXX Affirm noted my account that my refund would be issued within 21 days of confirming my mailing address as they were mailing me a paper check. XX/XX/XXXX I received acknowledgment they received my confirmation of address. On XX/XX/XXXX I was informed after a lengthy run around of a phone call, first that my check would arrive " in 2 days, don't worry! '' they said. I demanded to know the date the check was issued, nobody could provide this to me. I demanded to have my case elevated to find out the date this refund check was issued to me, and later received an email message telling me one has not been issued. They are too busy they said. They owed me a refund of {$500.00} within 21 days and we are well past that now, and I have no idea when this company is going to return my refund from the merchant. Now I am told they need to have 16 days to do a search, plus 21 more days to issue it and I do not believe one word. A search of what? They never issued anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX CARD Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a XXXX XXXX XXXX on XXXX/XXXX/17. On day 4 of having the vehicle, we was spelling raw fuel and noticing that it was burning more fuel than it should, we took it back to the car lot, who had us take it to a dealership for a smog test, came back that it needed filler neck and then repeat smog test for further issues, the car lot, XXXX XXXX XXXX XXXX XXXX XXXX, had n't her mechanic fix the vehicle, but did n't send back for repeat smog test, however, it was worse after the fact, after about a month, the air conditioner stopped working, we have tried to work with XXXX but there is nothing more she can do. So I started calling the finance company, United Auto Credit, to try to get it worked out, they are n't really working with me other than for me to try to trade it in which no dealership wants it or to give us enough to pay it off, they offered a settlement offer is someone wanted to buy it, but no one wants to buy it, and has said they really have us stuck in this upside down, meaning we paid too much and are getting XXXX I tried explaining to them that the dealership mechanic said it is dangerous to drive this vehicle due to the fuel evaporating or leaking, someone could flick a cigarette or something and boom, I 'm dead or burnt up in the hospital, this is very dangerous and does n't keep fuel in it, we have to get fuel daily and it still disappears after driving a few miles, it is really breaking us to keep fuel in it and we just want out of this loan, and for it not to go on out credit, making the payment is no issue, but when u have a vehicle with the serious issues this has, it 's not acceptable, I could understand the air conditioner, that is nothing, but to be told that it is dangerous to drive, that 's a big problem, I have spoke to the finance company on several occasions and to different people who say something different every time and no one is on the same page and they are making it very difficult as if the situation at hand is n't enough. I 'm scared to drive this vehicle. We lost a vehicle that was paid for in this as well, with that loss and the fuel, and repairs, and making payments, in the 3 short months we are {$5000.00} in the whole. We just want to get this resolved, whether it be wrote off as satisfied or another vehicle, or just out of it with our money back to get another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.

Company response to consumer: Closed
Consumer complaint received 2023-07-24
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 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 non-monetary relief
Consumer complaint received 2016-12-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony continuing to bill me for a fraudulent charge which I disputed. I explained that neither had I ordered or received merchandise amounting to the {$350.00} but had only purchased and paid for XXXX trial items totaling {$9.00} which were unsatisfactory and which the company had failed to allow me to return.

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 2022-09-01
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : 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

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 2020-03-24
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I didn't giving JPMCB CARD SERVICES permission to obtain a copy of my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have a hard pull from transunion from XXXX XXXX XXXX on XX/XX/XXXX that I am not a part of

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 2021-05-19
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days. 

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.

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 2022-04-08
Company: Asset Management Outsourcing, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/2022 NATIONWIDE RECOVERY has placed a medical collection on my consumer report without my consent. I have not receive information that I could have disputed this debt. I saw it on my credit report and asked for validation and they have not provided the information requested. They have also refused to send letter of HIPPA release of my information which is against the law. I have not received any validation from National recovery. They have violated my consumer rights.

Company response to consumer: Closed with explanation