BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax, Please see below and attached - I am a victim of identity theft and there are hard inquiries that need to be removed immediately due to fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a XXXX transfer using the wrong phone number. 

The phone number is not in operation. 

Bank of America 's mobile app filled in the contact info for me when I started entering the phone number. I mistook it for filling in the information for a registered XXXX user. 

I have followed their procedure to ask for the money back, but they have denied it twice with no information as to why except they " followed my instructions. '' On the phone they'll say it's up to an unnamed " third party '' bank whether to refund me or not. In truth, it being a non working number, it was probably sent into XXXX and they haven't refunded me because they can't spend XXXX XXXX having a live human consider that. 

All info for the complain was taken by them via phone.

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 2023-01-20
Company: EQUIFAX, INC.
State: NJ
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following have violated my rights ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX aacount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX account # XXXX XXXX, XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX5 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Capital One Quicksilver card with a credit balance of {$220.00}, yet for the past week, Capital One claims I have {$0.00} in available credit. After several phone calls to their overseas call center, I was finally transferred to a call center in Arizona after I lost my temper. The Capital One representative claimed I had no available credit despite the {$220.00} credit surplus, which he acknowledged. I was told I could not access my credit for 26 more days because the overpayment I had made had not settled despite the fact that it was paid to Capital One via my local bank 's billpay service. I asked for interest to be paid on my {$220.00} credit or for it to be returned immediately to my local account where it would draw interest. I was told that it could only be returned via a paper check through the notoriously error-prone USPS, and then only after 15 more days had passed. I asked for the money to be transferred to my Capital One 360 Savings Account. That request was denied, too. This is the one time of the year when I need total use of my money and credit. I have waited and saved all year to be able to shop for XXXX  at this time of the year. Instead, Capital One refuses to make my money and credit available to me nor pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Celebrity Financial, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Starting in XX/XX/2022 I needed financial help so I turned to APEX. I was told to only pay {$500.00} although my mortgage was XXXX XXXXand they would turn this into XXXX - mortgage lender. I had to put the {$500.00} on a VISA card monthly and give them call with VISA number. 
I learned in XXXX my mortgage was still in jeopardy as APEX never sent any of the {$500.00} to them. 
I am now working back with XXXX making monthly payments on time. I need to report APEX for taking my funds illegally. 
Phone number - XXXX Contact name - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
We closed our refinance with XXXX XXXX in XXXX of XXXX. We set up the payments to be auto drafted from our account. Eventually JP Morgan Chase bought out Bank One a year later in XXXX. We have payment history statements showing that the auto payments were fine until Chase took over the account. Our payments were scheduled for the XXXX of each month beginning with XX/XX/XXXX and ending XX/XX/XXXX. However, Chase because of XXXX extensions we supposedly requested by phone they say the new maturity date was changed to XXXX of XXXX via a letter stating that they no longer could auto draft to that account and we would have set up a new auto draft. I explained that we didnt receive any notice of the loan reaching maturity in the months preceding the actual XX/XX/XXXX date, as I explained to multiple Chase XXXX since the XXXX letter via phone and fax that we were under a signed contract that could not be modified without consent of both parties and that their claim of our request for loan extensions over the phone was bogus and a cover up for XXXX poor accounting on their behalf and that we demand proof of any such request. They responded XX/XX/XXXX, and I quote Any information or document you requested that isnt included with this letter is either irrelevant, unavailable, considered proprietary, overbroad or unduly burdensome. They did not send any evidence of any requests from us asking via phone and was granted, payment extensions. They have refused to explain any of the transactions they made that lead us into being charged an additional {$6000.00} plus dollars only to say that our principal portion wasnt paid off. We explained that our monthly payments were {$720.00} and they were responsible via auto draft to make the payments. However the payment history shows they charged us additional fees of {$50.00} after they applied the extensions to our account. In XXXX incident they charged late fees of {$50.00}. We explained that as per our contract we could be charged {$25.00} late fee after 10 days and of of course we would receive a written notice from Chase of that happening, and at that point we would have immediately found their errors. But until the XXXX letter in the XXXX  years Chase has managed our mortgage we never herd or received anything from Chase in reference to our mortgage. We are currently waiting for another response from the office of XXXX XXXX XXXX XXXX XXXX for Chase. And In order to prevent them from destroying our credit report we have been making the additional monthly illegal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Bureau of Accounts Control
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to contact the company several times because this account is inaccurately being reported to my credit report. This account was fraudulently sent to collections. This is a medical bill that was supposed to be submitted to my insurance company. The bill I received stated it was sent to my insurance however my insurance has no record of this claim. I also had secondary coverage on the date of service and therefore I would have never been responsible for this debt. Also under the new XXXX XXXX any XXXX XXXX under {$500.00} can not be reported. The original bill was {$600.00} and I have proof of {$200.00} worth of payments. They are reporting that I owe {$780.00} as the original balance when I have proof that amount was never owed.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX. I have no other address nor have I ever.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-06-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had 2 promotional purchases with XXXX XXXX and I made an extra payment of {$410.00} and planned to payoff the first promotional loan. But instead of crediting the {$410.00} they applied it as a charge to my account. Because of this I missed my promotion deadline and they charged me an additional {$190.00}. 
I owed {$790.00} on a promotional purchase that was going to expire XX/XX/2023. So in XXXX of 2023 I made 1 payment of {$340.00} on XX/XX/2023 and another extra payment of {$410.00} on XX/XX/2023 trying to pay the promotional and avoid interest fees. 

So on the XXXX statement, Instead of applying the {$410.00} to the promotional amount they applied my payment as a charge and the promotional purchase went up to {$1100.00}. 

I called them several times and they said they would fix it but nothing has been done. They told me to keep on making the payments. As a result, the promotional purchase has expired and I was charged an additional {$190.00}. 

So they owe me a total of {$600.00} and I dont think anything is going to get done. I opened a complaint with them but nothing has been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Adjusters ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: OH
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:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-03-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
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 recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this 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 2023-06-05
Company: Experian Information Solutions 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 hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via USPS mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.

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