BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MO
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 received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
MY CAR LOAN WAS A FEW PAYMENTS LATE BECAUSE I DIDN'T HAVE A JOB, THEN I WAS ABLE TO CATCH UP AND PAY FOR EVERYTHING, WHICH MAKES THIS LOAN SEVERAL YEARS AGO BUT THIS COMPANY KEEPS REPORTING ME AS MAKING LATE PAYMENTS, WHEN THE ACCOUNT IS CLOSED AND PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions 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:
all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXX {$5500.00} XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}

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 explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Below is the follow inquires that I did not authorize XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2022

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 2021-02-22
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I applied for a home loan and found out there was a judgement on my credit report in which I still cant see when I pull up my reports.When I tried to contact the company I was told they only have limited information.I never received anything about this in the mail or this case even going to court.The information the company did send in the mail is not detailed at all. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have recent inquires that I do not know about about my XXXX  report. The companies are 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 2020-05-15
Company: ALLY FINANCIAL INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 I paid my auto loan of {$620.00} through Ally Financial 's bill payment app. The app crashed upon my submission of the payment. I did not resubmit because of the chance of a double charge and I believed the payment went through.The payment did not get posted and I was given a 30 day late on my credit report. Once I realized the money never left my account and the payment was not received I called to fix the error. Ally said they would put a dispute in and let me know the result. They contacted me and said their app didn't receive my payment and they couldn't remove the late payment. I spoke with managers and they said they would try to help me. I was sent to several people and none helped me resolve the matter. I pay my bill consistently. Still no one would see my side. I kept being told that the tech team said there was no issue with the app. How would I know if that is true or not? On top of that, the late payment is being inaccurately reported on my credit report. XXXX  has it for XXXX, while XXXX  and XXXX  has it reporting late for XXXX. Attached is the payment history from my credit report showing the inaccuracies.

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 2020-09-28
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:
XXXX  XXXX put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau TransUnion to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX TransUnion sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted XXXX XXXX, XX/XX/XXXX and asked for validation of debt. XXXX XXXX, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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 noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX- XXXX XXXX  XXXX -NXXXX 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 2017-05-22
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
This is the second complaint we have filed against AAG Reverse Mortgage Company since XX/XX/XXXX ... after 14 months of trying to obtain this loan we still stand waiting on completion of the loan..we have not heard from anyone since XX/XX/XXXX ... we do not know what our status is or what is happening to our loan ... we have spoke mainly to XXXX XXXX, his supervisor XXXX XXXX and XXXX XXXX ( Loan Processor ) ..we have sent in all the information they have requested to close on this loan but yet after months and months of waiting we still do not know if we have the loan or not ... we have not received any letter or phone call telling us the status ... ..It 's taken so long that we have had to do 2 appraisals..we have spent about {$1200.00} to cover these expenses including survey ... .thank you for your help in this matter .... XXXX XXXX XXXX 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 2022-08-29
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/202 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} RESURGENT XXXX XXXX/ LVNV XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX ( MISCELLANEOUS ) XX/XX/XXXX XXXX XXXX ( MISCELLANEOUS ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXXXXXX XXXX XXXX BANK ) XXXX XXXX XXXXXXXX XXXX XXXX FINANCE ) XX/XX/XXXXXXXX XXXX  / XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX  ( BANK ) XXXX XXXX, XXXX XXXX XXXX  HOTEL AND TRAVEL ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX BANK ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: NJ
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:
XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: American Credit Acceptance, LLC
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:
Unauthorized inquiries on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-29
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX CO XXXX Date Opened XX/XX/2017 Balance {$7900.00}

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 numerous inaccuracies and or negative items on my credit report that need to be fixed. These items are not reporting correctly according to the law. See letter attached for a detailed explanation

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 2020-09-28
Company: The CBE Group, Inc.
State: NC
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 pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days.  During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Unknown company needs removed CBE GROUP Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXX XXXX Please delete all hard inquires listed in documents and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ XXXX Late Dates 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