BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
my wife and i signed a lease with XXXX XXXX in XXXX XXXX it was for 1 year. in XXXX of 2020 our goverment put everyone on lockdown, isolation. not by our choice did we stop working. in XXXX we were served eviction papers in the middle of covid XXXX unable to work or go anywhere we were being forced out of our home. when we went to court we met the attorney for XXXX XXXX who told us that they didnt want any monies owed. if we would agree to vacate the premises then this would not be on our credit because it was no fault of our own, we agreed in front of the judge, unfortunately this did go on our credit and for 2 years we have been trying to have it removed. we have contacted XXXX XXXX and national credit XXXX  to please remove this. this wasnt what was agreed upon. everytime we contact them they raise the price of what is supposedly owed, its horrible enough to be put out in the middle of covid but they continue to torture us by ruining our credit. laws were passed to protect us from companies like this. im attaching the court document where it clearly states posesion only. we are also including copies of the laws that were passed, hopefully it helps others as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Previous Successful Complaint IDs : XXXX XX/XX/2022 XXXX XX/XX/2022 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 Page of Credit Report shows 5 accounts ever late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-31
Company: EQUIFAX, INC.
State: NC
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 explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2022-12-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called capital one auto finance on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and capital one on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-02-13
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 have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that 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 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 2022-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute registerd mail with return receipt ( stamped received XXXX XXXX ) to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute was just opened today XX/XX/2022, after receiving previous Cfpb complaint about the investigation never being started

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 2022-12-31
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XX/XX/XXXX we got the okay to defer our car payment for that month and an additional month would be added to the back end of the contract. On XXXX XXXX I made my car payment for XX/XX/XXXX. The break down shows my car payment only ADDED interest, didn't take away interest or principal, it only added it. The payment was {$690.00}. I also noticed that my payment went through as XXXX XXXX when it has always went through 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 2022-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

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 2022-12-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
ACCORDING TO 15 USC 16811 - XXXX, XXXX AND EQUIFAX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
A partial credit that was issued via XXXX is XXXX for a hotel room in XXXX keeps being charged back to me. 
I never was able to go to XXXX XXXX XXXX XXXX at the last minute. 
I am charged for cleaning fees and other miscellaneous fees for a room that I was never in. 
XXXX seems not to eat to be bother or accept any responsibilty.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX XX/XX/21 it was reported on my credit that I had a late payment with XXXX XXXX XXXX, this information is incorrect.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

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 2022-12-31
Company: DHI Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
DHI Mortgage : Failure to represent 2-1 Buy Down promotion in all loan estimates -- A 2-1 buydown promotion was not reflected in any of the loan estimates provided to the buyer, despite knowledge by seller and lender from day 1 that the buydown would be an incentive for this sale.

-- As a result, all provided loan estimates ( 2 ) were misleading, and prevented the buyer from making accurate judgements on affordability and accurate comparisons to other lenders based on DHI Mortgages provided information.

-- The monetary consequence of this exclusion is that the initial Closing Disclosure stated that the cost to close was {$1900.00} higher than what was provided in the most recent loan estimate a +13.75 % increase. 

-- The lender provided a loan estimate on XX/XX/XXXX, and a 2-1 buydown subsidy payment schedule on XX/XX/XXXX. When the second loan estimate was provided on XX/XX/XXXX, the lender clearly had full knowledge of the 2-1 buydown promotional yet did not include this promotional as a variable in the loan estimate. 

-- The lender claims it could not include the 2-1 buydown in the estimation without the buydown addendum. A competent lender would have requested such an addendum from the seller in a timely manner, along with all other documents required, to accurately portray the true cost of sale to the buyer. Therefore, the buyer believes its exclusion was a conscious decision intended to mislead the buyer and make the loan offer more appealing than it truly was. 

-- It must be noted that the lender ( DHI Mortgage ) and seller agent ( DHI XXXX XXXX XXXX  XXXX XXXX ) are subsidiaries of one company, XXXX. XXXX. DHI XXXX provides buyers with seller incentives for financing their loan with DHI Mortgage. The buyer contends it would be well within the lender 's power to request these documents from the seller given they operate under a single parent company. 

-- The acquisition of the 2-1 buy down addendum was a quick process, once initiated. The sellers agent requested the buyer sign the addendum, had the buyer sign the addendum, and had the lender provide the CD on the same day, XX/XX/XXXX, exactly 15 days after the Uniform Residential Loan Application was submitted on XXXXXXXX ( which marks the buyers credit with a hard inquiry ). 

-- Its an incredible coincidence that, while the buyer has exactly 14 days to compare rates with other lenders without impacting their credit score, the Closing Disclosure with the 13.75 % higher cost to close was generated on day 15. 

-- In other words, DHI Mortgage intentionally chose to forgo requesting critical addendums from the seller that they knew would be part of the final sale in order to intentionally misrepresent the terms of the sale to the buyer, until such time, that if the buyer were to seek competitive offers, it would adversely affect the buyers credit rating and risk the pending sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Chase Bank to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( XXXX ) with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

On XX/XX/XXXX, I made a wire transfer in the amount of {$41000.00} USD ( transaction number : XXXX ) for the purchase of a red XXXX XXXX XXXX. The payment was sent to XXXX XXXX XXXX of XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The contact details provided were as follows : phone number XXXX and website XXXX XXXX XXXX. 

However, it came to my attention that the account number to which I made the wire transfer belonged to a different company, which I was unaware of at the time. I expected Chase Bank to exercise due diligence and notify me that the beneficiary account did not match the invoice and was not the intended recipient. Unfortunately, no such notification was provided by Chase Bank and payment was executed without my knowledge or consent. 

When I contacted Chase Bank to request a refund, they have continually refused to give me a refund, claiming that they called me on XX/XX/XXXX to confirm the recipient. I can provide evidence from my call log that proves I never received a call from Chase Bank on that date. This discrepancy raises serious concerns about the accuracy of their claim. 

Please see the attached Photos for my proof of Chase Banks continuous lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
accounts closed without my consent or authorization

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 2022-12-31
Company: DISCOVER BANK
State: PR
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:
This DISCOVER Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation