BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX LEND Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  COLL Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX/RBT Date of inquiry : XX/XX/XXXX ; XXXX  CRE Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX  LENDING SERVICE Date of inquiry : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX FINANCE/XXXX Date of inquiry : XX/XX/XXXX ; XXXX CREDIT  XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an auto loan account that was initially opened with XXXX XXXX XXXX XXXX, which later transitioned into XXXX XXXX XXXX. The account first went delinquent in early XXXX. However, the payment history provided by Equifax does not show any records prior to XX/XX/XXXX. This is problematic because it means that the information is both incomplete and potentially inaccurate. As of XX/XX/XXXX, the account continues to appear on my Equifax credit report, which contradicts the Fair Credit Reporting Act 's ( FCRA ) rule stipulating a 7-year limit for reporting delinquencies. 
Early XXXX : Auto loan account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax begins from this date ; no prior delinquency information is available. 
XX/XX/XXXX : The account remains on my credit report, violating the FCRA 's 7-year reporting limit. 
Initiated a dispute with Equifax regarding the incomplete and outdated information related to this auto loan account. 
Equifax has not made any corrections or removals in response to the dispute, thereby failing to align with FCRA guidelines. 

I request the CFPB to look into this matter and enforce compliance with the Fair Credit Reporting Act by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital one auto Finance is illegally changing the date of which you made a payment to the next Business day so you can be late, to incur late charges, finance charges, or reported as late. My car payment was due XX/XX/2023. I logged onto Capital One Auto Finance app on XX/XX/2023 to process my payment, which will still have me in the guidelines to process a payment. Their own website states in regards to payments YOUR PAYMENT WILL BE CREDITED TO YOUR LOAN ON YOUR PAY ON DATE, BUT MAY TAKE 2-3 BUSINESS DAYS TO BE DEBITED FROM YOUR PAY FROM ACCOUNT, ONE TIME PAYMENTS- TO MAKE CHANGES YOU CAN USE THE MOBILE APP, GO ONLINE CONTACT US BEFORE XXXX ET, on the scheduled payment date. It doesnt specify about if your payment is on a weekend them your pay on date will be the next business day. Capital one auto is violating consumers rights to make them default on loans to get them on additional charges, The FCRA states FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


I called in to Capital one & requested to speak with a supervisor, I advised I was regarding the call, & my FCRA RIGHTS AS A CONSUMER, the supervisor name is XXXX, ID XXXX, we went over the account, initially when I asked what is todays date, she proceeded to state its XX/XX/2023 I reminded her she representing Capital One Auto Finance, that Im recording the call & if she continues to lie Im within my FCRA rights that her company is violation, she immediately stated todays correct date is XX/XX/2023, before processing my auto payment, she confirmed it will be processed with todays date. I have the recording as well, XXXX stated since Im making a payment on a Sunday it will be processed on the next business day as if I was making it on a Monday, I advised her that is illegal which will make me default on my loan as being 30 days late. XXXX processed my payment & stated I was within my timeframe & less than 30 days late & I will not incur late charges or a remark to say Im 30 or 31 days late on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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: Account information incorrect

Complaint:
XX/XX/2019 I made the final payment on an account from Kohls that went to collections. This occurred moments after my father had been hospitalized and severe family changed and events. I would like to have it removed as it does not have an accurate representation of my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 attempted to dispute this debt on multiple occasions, dating back to 2018. This account was sent to a collection agency, XXXX XXXX. Each time XXXX  refused to remove the information from all credit reports and provide sufficient proof the debt was owed. I have since learned there has been a data breach of my information by XXXX  XXXX  including my highly sensitive social security number which opens me up to a realm of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Good Morning, Im writing to you in a complaint with Freedom Mortgage. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I sent the letter from the county clerk office along with the letter from the VA. Unfortunately, due to all the medical bills I had to file XXXX XXXX bankruptcy. I sent a letter to freedom mortgage from my lawyer stating that the house was not part of the bankruptcy that I was still responsible for the mortgage. Freedom Mortgage took it upon themselves and put my account under bankruptcy. I now have no access to my on-line account. Also I have asked several time for my surplus of escrow and they have failed to respond. If there is any way you could help me get my access back and the money the Freedom Mortgage owes me from my escrow. Thank you for your time and attention. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX Bankruptcy XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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: Information belongs to someone else

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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Company: EQUIFAX, 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:
After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00}. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had set up a withdrawal out of my checking account for the amount of {$36.00} from the creditor ( XXXX ) on XXXX XXXX XXXX There was auto deposit in the amount {$1900.00} that morning on the same day. Which was verified. 
The issuing company ( XXXX ) states that is was rejected by chase. On that date. 
Chace rep claims that the transaction was rejected due to insufficient funds the statement says there was money in the account at the time. When I went back online to find this transaction it was no longer there. I call chase back to be place on hold for 2 hours. I then called back to be sent to someone in inda who I could barely understand what he was saying. I had repeated myself so many times to explain to him what the problem was with no results. I then asked for a manager or senior person, to be placed on hold for 20 mins then the line went dead. 
I have transaction from XXXX but not chase saying the even got a transaction?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 Kohls, CAPONE. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX  XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. XXXX Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.

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