BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE BANK USA XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: OK
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, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XXXX of XXXX, 2020. 

I also sent out a request for proof of verification of the unverified accounts on the XXXX of XXXX, 2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: SYNCHRONY FINANCIAL
State: TN
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:
Care Credit indicates that they have charged off an account on my credit report, but aren't accurately reporting.

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 2015-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MS
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX XXXX : {$4100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  and Chase bank are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by XXXX XXXX  XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from chase bank which that account was sold to XXXX in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to XXXX which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with XXXX and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when chase did it my score dropped 79 points with XXXX  My mortgage now with XXXX is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with XXXX and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed XXXX is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of limitations and chase should not have added that comment in XXXX of XXXX ... and we did not do this with XXXX they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did XXXX add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached the two letters I received from XXXX  in reference to the two accounts they have requested be removed.

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 2019-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AUTO XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, Home Depot fraudulently re-charged my card for {$9000.00} ( which is more than the original charge ) for an installation of the wrong windows which occurred in XX/XX/2019. As Home Depot breached the contract by installing the wrong windows, an agreement was put in place in writing that they would refund me the cash already paid by XX/XX/2019, as well as cleaning up the Home Depot 24 month interest free card which was part of the deal. The card was not cleaned up and the money was not refunded by the date of the agreement. However, the credit card worked with me to get Home Depot to clean it up, and refund the money already paid. The card was at XXXX. However, additional damages were incurred due to the time delay, as the price of the replacement windows to obtain specific performance Home Depot could not provide went up in price by {$2400.00} due to new price changes at year end. 

As Home Depot had breached not only the original contract, but the settlement agreement, I then issued a claim with XXXX as against the performance bond on the project. 

Then Home Depot unlawfully falsified a settlement agreement, which I did not sign, by taking the signature off of the document I did sign ( all of which was handled via e-mail with an extensive e-mail trail proving the identify of the real document ), and passed it off as the document I signed, attempting to strong arm me to relinquish claims to the performance bond. 

I have no responsibility to relinquish such claims as Home Depot breached the agreement. 

So, Home Depot, after misrepresenting a fraudulent document, via mail and wire fraud, then rebilled their subcontracted CitiBank Home Depot Credit Card company for {$9000.00} ( which is more than the original amount ), and then attempted to collect. 

I have put a credit freeze, reported the card stolen per the recommendation of Citi, and closed the account. However, these unlawful actions have severely hurt my credit, as I now appear to be overextended on my financial obligations, given a new loan was already put in place for the new replacement windows, as the credit card account with Home Depot had finally been cleaned up. However, with the addition of this charge, I am now in immediate credit alert status for charging over {$20000.00} simultaneously. My perfect credit may be virtually trashed. 

I am reporting the attorney, one XXXX XXXX of XXXX Georgia to both the Georgia and New York Bar Associations for fraud and misrepresentation of material fact, and will also be seeking criminal charges with the local DA 's office. I need a flag on this large purchase and am attempting to secure this with the 3 credit agencies.

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 2022-07-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were supposed to travel to XXXX XXXX XXXX using a travel site called XXXX we cancelled at the right rime so we should have received a refund but they shut down and I received an email saying to contact my bank which I did and provided TD bank with all of my information and was denied! This is beyond unacceptable there should be no reason I was denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I lost my car last month due to a total loss which was not my fault. I continued to make my car payments due to being under the impression that prior to knowing that info, my car was being fixed. I reversed THREE of those payments through CHASE. Last week, one of the payments ( which happens to be the one that was the MOST ) {$310.00} was charged back to my account. Ive called over 10 times and have had to wait HOURS to be told XXXX. I sent in proof on that payment ^ which I shouldnt have done bc for one, it was not requested w the other two. Im tired of this bank. They are thieves and I want my money back. I got paid Friday and that {$310.00} came out of my check and all the reps want to do is be rude and tell me I have to wait patiently for a case to be opened and to get MY money back. Do not bank with Chase. Go elsewhere, this is ridiculous that I have to go this far to resolve an issue with MY money that should have never been taken back from me.

Company response to consumer: Closed with explanation