BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts or inquiries, nor do I recognize any addresses listed in this report. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, EXPERIAN is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, My wife and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.

Company response to consumer: In progress
Consumer complaint received 2023-11-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The teller told me a late pending charge for a XXXX showed up and didn't show me on the account where just said the amount and had me withdraw XXXX instead of wait for closing the date. 
So I feel it's best to report this because I didn't get a receipt and the email keep sending that it's {$0.00} not the letter stating it's closed.

Company response to consumer: In progress
Consumer complaint received 2022-07-29
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:
Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase falsely advertises my Chase loans, and they want them to work in a fraudulent way that is unfair to consumers as a whole. In my experience, I took out 2 different loans totaling around $ XXXX. The money was deposited into my bank account and everything seemed fine. Only though that wasn't the case, after 2 months I learned what they're really doing. If you continue to use your credit card as normal like 99 % of the world population. When you pay it off, ALL of the money goes towards your loan balance at the super low-interest rate and you're stuck with credit card debt. For me I NEVER carry credit card debt and never have, I took out loans for home improvement and Chase has conspired against me to make more money. I'm not sure I'll do business with them, I love my rewards card but this is anti-consumer. 

When I called Chase to fix this, the first line rep was completely useless and said it can't be wrong. I got transferred to an account supervisor named XXXX based out of XXXX XXXX Texas and within 5 minutes of her looking she told me my statement was wrong, she immediately reversed the incorrect interest charges and told me it would go to escalation and I would hear something back by Friday. Well Friday and the weekend passed and I never heard anything back, so on Monday I called Chase and got to the right department. I was told they can't view the letters being sent to me, and they're physical mail instead of email or through their messaging center. And that Chase just said the statement is correct and I have nothing I can do about it. So I told them they're fixing it or I'm filing a CFPB complaint and well it's very clear what happened next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A person I know has tried to apply for a credit card with Chase bank twice under my maiden name. Thankfully i have a credit freeze. However, this person is still trying to use my identity to acquire a card with chase bank. The first time i had no issue getting the situation handled and application marked as fraud .... 


The second time i was hung up on and then transferred between multiple departments and the application was never closed or marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. You are also furnishing information to only Transunion which is also a violation. The balance being reported does not match any of the documentation I have for this account. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable. Not only is this account closed, but you are also reporting a balance trying to collect when it says that this account was sold. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21.00} XXXX XXXXXXXX XXXX Balance Owed : {$65.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$740.00} XXXX  XXXX XXXXXXXX Balance Owed : {$90.00} XXXX  XXXX  XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. Equifax has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with Equifax. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following ITEMS from my file. 

XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
I don't have credit cards anymore. Credit excluding my Mortgage, is done with. The Big Three credit companies share MY DATA amongst theirselves and others without my consent. Banks give MY DATA to the Big Three without my consent. I have told Experian and XXXX XXXX to delete MY DATA unsuccessfully. Next... I may sue them. I tried to see my so..called credit score via XXXX and I got back ( XXXX XXXX ) does not exist .... A flagrant slap in the face. I have told XXXX to cease and desist ... MY DATA is worth millions to me... And they refuse to make payment, to me, in compromise.

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 2023-11-23
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm is denying me an installment loan because back in XXXX I created an installment loan for an item that I was supposed to receive. I had made all of the payments on the loan however again I never received the item that I ordered. I in turn disputed the charges with my credit card company and they reversed the charges. Affirm then put the remaining amount back on my account stating that I needed to pay them. I contacted them on XX/XX/23 and explained the situation to them and that I had never received the item I ordered. They opened a dispute and I never heard back from them. I later went back to check on the open dispute and it was closed. They have since sent the {$67.00} over to a collection agency ( XXXX ) and have put the negative information on my credit report with XXXX. 

Here is the response that I was provided at the time that the dispute was opened : Hello XXXX, Thank you for contacting Affirm in regards to your Shop Pay installments. 

I comprehend you are reaching out to us because you want to clarify some information about your XXXX XXXX account. I truly know how important it is for you, your satisfaction is my number one priority and I will be more than glad to assist you.

As I was reviewing some information, I see that the department in charge is still working on your case that means that you should be receiving a follow-up between XXXX to XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a recent complaint and they responded with an answer that contradicts the letter they sent in response. They have denied my request to obtain information my mother 's loan even though I have submitted proof that I am on the deed to the house and qualify as a Successor in Interest according to Regulation Z. Also, to stop sending correspondence to the house where renters are retrieving the mail. 

They are trying to foreclose on the house even though I have the means and ability to refinance the home. I have been approved for a loan to do so already. But the lender can not do anything while the home is in pre-foreclosure status. It seems like PHH is doing everything they can to keep me from legal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested forbearance for my auto loan with toyota financial services back during the covid time in XX/XX/2020. I requested this online and due to the large number of requests it took awhile for the toyota finaacial to process my request.

But during the time of this request, toyota financial reported that I am 30 days past due for the month of XXXX. I did some research and found out that this type of conduct is illegal when the federal government has passed the cares ACT. 

This is affecting my credit score and affecting my ability to get qualified for loans. I would like CFPB to get involved in this matter to stop toyota financial from abusing its customers and to rectify my credit report.

I did reach out to toyota financial to correct the credit report but they are denying their involvement. 

Please advise me on how to resolve this matter. Thank you. 

I can provide documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-23
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXXXXXX XXXX XXXX the date was paid in full and not report. Its all three credit bureaus, including XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation