BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and 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 2017-06-30
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # 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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: CO
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:
My husband I were in XXXX XXXX on vacation from XXXX XXXX XXXX. On XX/XX/2021, I purchased a ring at a Jewlery store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$300.00} using my Chase freedom credit card. The merchant took my credit card and scanned it for the transaction. When we arrived home, I noticed a charge of {$1500.00} on my credit card from a merchant in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX This charge was shown it was done at the same time I purchased the ring from the jeweler in XXXX XXXX. I did not purchase this item ; it was a fraudulent charge. Also proving that I could not be in two places at once. The statement provided by the merchant to the Chase credit card company showed a fraudulent signature. Chase stated that it was a valid purchase, which it was not. Chase has denied my fraudulent claim. They have requested that I submit a written letter of dispute, which I will provide to Chase. I requested the phone number/address of the company that did the fraudulent charge, but there was no information, so unable to contact the fraudulent merchant. I want to get this resolved ; it has been devastating to me to be a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: GA
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 the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, Experian is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX  is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, Experian is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, Experian  is not reporting this account XXXX   is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Experian  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX   is not reporting this account, XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Experian and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$220.00} to settle the account with Capital One Auto Finance. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Auto Finance received the check on XX/XX/2020 at XXXX XXXX  and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Auto Finance is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Linebarger Goggan Blair & Sampson LLP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/2021 from Linebarger Goggan Blair & Sampson, LLP, Attorneys at Law, located in XXXX, CO XXXX. Received letter XX/XX/2021. Letter said I owed the State of Colorado {$29.00} for non-payment of tolls charged to License Plate No. FL XXXX. Told the company that I have only been to Colorado once in my life and that time I flew in by airliner and left on a tour bus. My car has never been to Colorado. 

I fear this letter is phishing effort to gather banking information or credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions 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:
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to 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 2017-10-23
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:
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
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: Investigation took more than 30 days

Complaint:
My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately XXXX months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable

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 2018-12-21
Company: Experian Information Solutions 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable

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 2019-07-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous repeated automated phone calls in an attempt to collect payment. It is an automated call and it gives the option to speak with a rep but when I select that prompt it disconnects. I was going to inform them that I will pay as soon as I can and that harassing me will not create an income for me to pay them with. The latest calls are from XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX ( today ) @ XXXX so far and I'm sure more will come.

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a {$10000.00} check into a joint checking account that my step-brother and I hold with Chase Bank. The check was an living trust gift to my step-brother from his XXXX year old biological father. The deposit erroneously generated an over-draft alert on XX/XX/XXXX and USPS letter on XX/XX/XXXX sent to my address in XXXX. I watched the account online daily for the check to clear to have access to funds to pay bills. On XX/XX/XXXX, the check still hadnt cleared and I was denied access to my online account. On XX/XX/XXXX the check had cleared ( available balance ) but still no access to account. I called Chase customer service 3X XX/XX/XXXX ( 30-45 min per call ) and visited a local branch but was told the bank was closing the account with the excuse that they were suspicious of the check and wanted to talk to the maker of the check even though it was available balance online but I had no access to banking services. I arranged for Chase to speak with check maker at XXXX XXXX EST. Chase CS employee would not call maker of check because it would be XXXX PST where maker resides in XXXX despite makers request. So Chase eventually contacted maker at XXXX XXXX  ESTXXXX XXXX PST to learn check was legitimate After this step was completed, Chase CS still maintained that the bank had decided to close the account and it was irreversible. We have been an account holder with Chase for 9 years with no issues. The account receives my brothers direct-deposit Soc Security check on the XXXX of each month. The erroneous over-draft alert was never acknowledged by Chase. Now, Im waiting to receive balances from 2 closed accounts sent to XXXX address while Im in XXXX for the winter. I think its important to note Chase will have the {$10000.00} in funds in their possession for approximately 3-4 weeks while denying me access to online account which will eventually be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
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:
I checked my credit report and saw that I had an incorrect balance of {$500.00} on my XXXX XXXX account. The balance should be {$0.00}. Transunion previously reported I had a zero balance and now it is back up to {$500.00}. I contacted XXXX XXXX and they informed me that Transunion sometimes pulls old reports. I contacted Transunion and the first reps phone was barely working, but he submitted my complaint. Then I received an email saying the issue was resolved, but nothing has changed on my credit score which has drastically gone down.

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 2017-07-01
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: Personal information incorrect

Complaint:
I 've requested via online disputes as well as calling the credit bureaus to delete two incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: OH
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 ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT of ED Account # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I finance a loan for {$2000.00} and the place is over changing me they took my car when I wasnt even 30 days past due adding additional fees. I explained to them that my baby had XXXX and that I could make a payment on the XXXX XXXX XXXXXXXX can someone please help me

Company response to consumer: Closed with explanation