BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo Home # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.

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 2022-04-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
XXXX is a misleading lying organization. I was instructed to mail a payment paying overnight to lower the balance listed on the account. Only to be told that now they have transferred the account yet again to a business partner and neither entity can access the account as I am constantly being told that I will receive a callback or to call the next day. The check I mailed was cashed by Toyota Financial Services. So now I am out of money and the balance on the account has not been lowered nor has the balance been reflected the respective credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 Some one hacked my XXXX account and made an unauthorized purchase with my Direct Express debit card ending XXXX in the amount of XXXX. 
On the XXXX of XXXX I opened a fraud claim with Direct Express # XXXX. 
After a 45 day investigation by Direct Express they decided to deny my fraud claim saying that the merchant ( XXXX ) provided them with proof that I approved that transaction. 
I requested a copy of that proof 3 times and have not yet received it. 
Nor will the merchant allow me access to that proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2021, I received an email from XXXX XXXX XXXX  XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

TransUnion closed my initial request asking them to remove the inquiry and said it will be on my credit report for 2 years. I am attaching proof and a letter from XXXX XXXX to expedite this and remove it immediatrly

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 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent out a letter for capital one auto finance to send me a copy of the original contact bearing my signature and all I received back was verified without any documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Capital Link Management, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have harassed my family and friends with multiple calls and text messages a day whos numbers were not provided in any way, as well as called myself multiple times a day from different phone numbers. I have already requested that all communication of the alleged debt be provided in paper form. The calls often frequent upwards of 5 times a day if not more. They have previously been provided my current mailing address and refuse to change form of communication. A voicemail received from a family member on XX/XX/22 stated that I was the last attempt to reach information for XXXX XXXX, but they continue to harass with phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX To Whom It May Concern : TransUnion It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days. 
There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Correct Home Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NC XXXX Accounts to be Removed : XXXX - Closed Charge Off - {$0.00} ACCT # XXXX XXXX XXXX XXXX - Closed Charge Off - {$0.00} ACCT # : XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
XXXX XXXX  XXXX XXXX XXXX, XXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

There was also several inquires that I noticed that does not represent a request from me. It needs to be removed as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : 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 explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/21 a fraudulent inquiry by XXXX XXXX was made on my credit report. 
I did not initiate an application for credit with any of these companies. This is not a factual record of my credit history because I did not initiate it. This credit file inquiry is unauthorized and without a permissible 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: NY
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 is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 ) Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX Chase withdrew {$3000.00} from my XXXX XXXX XXXX XXXX to satisfy the remaining balance on this credit card. On XX/XX/XXXX and XX/XX/XXXX XXXX additional withdraws from this checking account for {$3000.00} or {$6100.00} total was collected by Chase, even though there was a XXXX balance. I noticed the additional withdraws and contacted Chase on XX/XX/XXXX inquiring about the activity. Was instructed that these were auto payments set up by me, even though I have never used this feature and the account was paid in full. I requested a refund, was sent an email from Chase payments on XX/XX/XXXX with instructions about how to receive a refund. I provided my information that matched all of my Suncoast account information where the money was withdrawn. I received an email on XX/XX/XXXX to confirm that I had requested the refund. There was a discrepancy found in the email that listed my bank account ending in XXXX. This was not the number I provided and called immediately upon receiving the email. I was instructed to input my account information into their site and they would correct the discrepancy on their end. According to the Chase representative, I should have received an email to verify the reimbursement within two days. No email was received and I have placed numerous calls to Chase trying to acquire my refund. I was finally contacted on XX/XX/XXXX at XXXX by XXXX at Chase ( XXXX Ext XXXX ) who left a message that she was looking into my inquiry and would be in contact within three to five days. I called XXXX on XX/XX/XXXX at XXXX at the number provided. I left a message for her to contact me about the status and provided her with information regarding a point of contact with XXXX XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX ) who looked into this so called ACH transfer from Chase and was unable to find any transfer in that amount within the time period that Chase may have transferred monies to XXXX, no matter the account number, just in case it was accidentally deposited into someone elses account. I have made numerous attempts to have my money returned and cant believe the level of incompetence much less the severe disregard for monies owed. I have never been late with a payment to Chase, have kept my account in good standing, and was just paying it off. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Arnold Scott Harris, P.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We suspect that this a debt from our son  XXXX , probably a medical or hospital in MN?   He had a serious car accident in  XXXX     2011 in TX a nd has had emergency ER, maybe even ambulance service in this city where he was working? Son travels  24/7 so  we seldom hear from him except  XXXX .   HOW this debt collector got our personal phone number is a mystery but the daily harassment is disgusting. We answered more than once and told them that he does not live here but they continue to call.  <P/> Thank you for trying.    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 2017-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. Portfolio  Recovery Associates  does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX  fail to follow the WA Deed Of Trust  Act ( DOTA ).    XXXX   XXXX   XXXX  illegal foreclosed upon our home of  XXXX  yeats after Chase giveup their trustee of standing. quality  XXXX   XXXX   XXXX   XXXX    XXXX   broke the Consumers Protection law of WA  State RCW 19.86 CP A. The federal law will void all court orders for lack of jurisdiction because  Chase  give up Their trustee of standing that was filed in public records  XXXX / XXXX / 2011 . The scans that I have provided show  XXXX   XXXX   XXXX  lack the power of sale under WA state Law.

Company response to consumer: Closed with explanation