BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Account information incorrect

Complaint:
Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with TransUnion and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Nicholas Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I received a notice from XXXX that Nicholas Financial did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called Nicholas Financial on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. XXXX stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Granite Edvance Corporation
State: CT
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:
Granite State Management ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA 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 2020-06-18
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection appeared on my credit. I traced it back to a school that I attended, but all my classes were under fed student loans. This amount of XXXX is false and XXXX is not working with me to remove this. XXXX has removed this from my credit. I do not owe this money and I am current on my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: The CMI Group, Inc.
State: KS
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 received a call from XXXX. If you call this number the message states you are calling credit management. I do not know what this call could be regarding. The person that called me, the person that answered when I called back, and the manager refused to identity who they were calling on behalf of unless I gave them my personal information. I do n't know if this is a scam what the call was regarding. When I refused to provide my personal information they would disclose nothing to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have sent numerous of certified letters to Equifax concerning the block that has been added to my consumer credit file. After trying to receive credit, I have been told that I have been denied because there is no reporting on my Equifax credit report. I than contacted Equifax by phone and explained to them that I am having problems with creditors who I have applied for credit with are telling me there is no findings from Equifax reporting. I than was told by one of their employees that, there is a block on my credit file and if I wanted to apply for credit, the creditor would have to call them around their business hours and then and only then will they release my credit information to them. I told the employee that they could n't do that and it has caused several inquiries on my credit report before I was told by one of the creditors that they are not showing any credit file on me from Equifax. I was then told even if I wanted to view my own credit file, that I would also have to call in to receive it. I then went on free annual credit report this year 2016 and were told that they could not release my credit report from Equifax until I send in a copy of my identification. Every year that I have been freely receiving my credit report from all three credit bureaus, Equifax is the only one I have to keep sending in documentation to. I did receive a response back on XXXX XXXX, 2016 stating and I quote " Currently there is not a 90-day freeze reporting on your credit file. Currently your file is being handled in the Office consumer affairs. Any and all concerns will be handled by the office of consumer affairs. The file was " Randomly '' picked for quality purposes. We want to make sure we are assisting each consumer according to OUR policies and Procedures. The file will remain in the office of consumer affairs indefinitely at this time '' I want something done concerning this issue with Equifax. I want to file a lawsuit against them I have lost sleep, headaches, unnecessary inquires on my credit report because I did n't find out what the problem was until a later date. I want to also file charges against them and need to know how do I move forward. Hope this is a start in getting some type of relief from this nightmare. I have also been DENIED ALL XXXX CREDIT REPORTS THAT I TRIED GETTING FOR MYSELF WITH : XXXX XXXX www.free annual credit report.com Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase  auto finance reported a late payment. Payment was made in beginning of the mouth I called several day after to conform payment went through. Persons on the phone told me it did go through. I now noticed a credit drop for non payment. When I was told by them that te payment had went through

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A credit card application was attempted with XXXX on XXXX XXXX. I have filed a fraud report with them and would like to have this hard credit inquiry removed from my account. I did not authorize this credit card attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX TRIED TO DISPUTE WITH CREDITORS NO FEEDBACK PAST 45 DAYS ACCOUNTS NOT MINES PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX : # xxxx XX/XX/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 2022-04-20
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Fronline Asset Strategies LLC has violated my federally protected rights under 15 USC 1692 and 15 USC 1681 as 18 USC 1341.

In violation of : 15 usc 1692 ( c ) ( a ) : a debt collector may not communicate with a consumer in connection with any debt.

In violation of 15 usc 1692 ( B ) ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

In violation of 15 usc 1692 ( D ) ( 2 ) : the use of obscene or profane language the natural consequences of which is to abuse the hearer or reader In violation of 15 usc 1681b : Permissible Purpose In violation of 18 usc 1341 : Mail Fraud and Swindlers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh, because of escrow, or uh, because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done, besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway, but I was at the sale and had it stopped! They SO LIE about all. another try, their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX " or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house, which by the way, was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}, ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments, but all of a sudden, all the vendors cut off my credit. I was stunned. Chase did it. Also, they say I was late all those times ... can no one see what 's going on? ALSO, Finally -- at XXXX, my husband got a LOT of pay from OT. Then, in XX/XX/XXXX or XX/XX/XXXX, XXXX stopped it. He still works a lot of events, but he stays HOME 2 or 3 days a week when that happens, then works 18 hour days. We lost $ XXXX every single month. Plus, we had a baby, and he never would take care - to doctor, etc. She got sick I out more than director wanted and I got FIRED!!! at XXXX. I found a great job, but 20 hours only. Still no 40 hour jobs avail. So, we went from fine, with savings adds every month (! ) to no salary from me + then XXXX, and no oT from him. Chase Mortgage THAT month jacked note from {$1000.00} to {$1700.00}, and kept for 6 months. They broke us on purpose, and I lost my good credit name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my mortgage on time, but Seterus has diverted the funds to cover a non existent escrow account. I am now getting late fees and notices of intent to foreclose, as well as threaten legal fees. These guys are crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
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 following companies have 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: SC
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:
Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not XXXX or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applyed for home mortgage about 2.5 months a go with Chase mortgage. We had meeting and we thought every thing is good to go, got better rate and closing cost was discussed and at the end we end up homeless for about 12 days and still do not know when will be closing for my house even paying higher rate or more closing cost. Was all just talk.We are chase customer for about 25 years but never though of such a bad service from Chase. So may phone calls to so many supervisers are usless.need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.

Company response to consumer: Closed with monetary relief