BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  CAPITAL ONE AUTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies hit my credit report by hard pull multiple times in a single day and on many different dates creating some ungodly amount ( 30 ) of inquires on my credit report. All of these unauthorized pulls dropped my score tremendously to a point that puts me in a extremely poor position for a mortgage. I mailed each a detailed letter XX/XX/2022. No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for HELOC loan on my home in XXXX XXXX CA. with Chase Bank. I 've lived in the home for 19 years. My XXXX score when I applied was XXXX, I owe on the property XXXX. The appraisal of the house came in at XXXX which Chase gave me. My income is {$13000.00} a month which was verified. My loan to Value on the home is less than XXXX %, The requirement was could get an amount on the HELOC up to XXXX % of the value of the home so I could of applied for more than XXXX. I only applied for XXXX. The XXXX requirement was must be over XXXX. I was declined with no explanation then after inquiring and phone calls, I was then told verbally the reason I was declined was because my XXXX mortgage has a balloon payment at the end that is due XXXX. This is not relevant in that HELOC expires after 10 years which would be 2026, so I would n't have the HELOC at that time. I also explained that I make additional payments to my loan and that the balloon payment is greatly reduced because of that. I was asked what my demographic was for data purposes. I contacted Chase bank supervisor after decline to re-evaluate and tell me a valid reason and there was no courtesy of a response to my concerns. I have since gone to XXXX XXXX bank and it was a slam dunk approval and verification within 2 weeks since I met their criteria which actually had higher standards. I exceeded all of Chase banks requirements. The other requirement was 24 months of pristine perfect payments which I have had for many more years beyond that in the 6 year range.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Fortune Title Agency, Inc.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home flooded during the XXXX floods in Louisiana. Because we have a mortgage our insurance settlement money is being managed by Chase, our mortgage holder. They require a signed contract with a general contractor to release funds. We have already had work done to our home due to the delays in getting our settlement. Just like thousands of others we are displaced. If we did not have flood insurance Chase would not be involved so why do they have to be involved when it is OUR insurance money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a Walmart credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my credit report from XXXX I dont recognize and believe to be identity impersonation or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NC
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:
I had an unauthorized inquiry on my Equifax credit report submitted by XXXX. I disputed it about a year ago with Equifax. Equifax told me that I needed to contact XXXX to address the issue. I wrote a letter as instructed to address the problem. XXXX sent me a letter saying that they had the inquiry removed. I contacted Equifax again and shared the letter that I got. I did not hear anything from Equifax. I called them and they told me to send the letter. I sent the letter and never heard anything about it and the inquiry remained on my credit profile to this day. 

I am appealing to you so that the record can be straighten.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX in XX/XX/2022, saying the this account needs to be removed from my credit report due to the age of the account. The account was closed in XXXX. The account balance is XXXX. It was closed by the credit grantor. The company responded to dispute, they kept the account on the report, and refused to remove it. I would like this account taken off of my report. I believe it is in violation of the Fair Credit Reporting Act by keeping it on my report for over 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2017-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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:
My Experian credit reports that were mailed to me were empty, and Experian was unable to create an online account for me. 
Since XX/XX/XXXX, I have called numerous times and filed several disputes, sending twice a copy of my social security card. To no avail. The Experian system doesn't recognize me. 
I have had a bank account with XXXX XXXX XXXX since XX/XX/XXXX. 
XXXX  XXXX XXXX conducted an investigation in XXXX that revealed that they have been reporting my credit to Experian, but Experian 's system does not accept this information due to an issue with my first name. 
My credit information appears in XXXX and XXXX without any issues.

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 2022-05-22
Company: BRite Financial Services, Inc.
State: FL
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 have previously filed a complaint against the company Brite Financial Service XXXX XXXX XXXX I spoke with the creditor via phone on XX/XX/XXXX after the complaint was filed with the CFPB, on XX/XX/XXXX the creditor was very upset and advised verbally I would pay for the complaint filed against the company. I advised the creditor I filed the complaint because the vehicle financed was a XXXX XXXX, which the engine was blown and recalled by XXXX and I actually won a class action lawsuit against the company and received payment from the company. 
XX/XX/XXXX Brite Financial made an update to my credit report, reporting 6 late payments which were never reported prior to my complaint filed with the CFPB. 
I have attached documents to proved this account was closed XX/XX/XXXX last payment paid to brite financial XX/XX/XXXX I have also attached Recall notice for vehicle Vehicle was returned to the creditor with a defective engine, as per the recall notice from XXXX XXXX. 
Brite financial is operating unethicality and reporting incorrect information on my credit report. I am filing an additional complaint to have this account removed from my credit file permanently due to the unethical actions of the company against me and my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: MA
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, I have two accounts with XXXX XXXX XXXXXXXX that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the XXXX balance {$100.00} a month for the acount with the XXXX balance. 

XXXX  XXXX XXXX has not recorded these payments on the credit reports. 

Also, XXXX  XXXX XXXX has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you 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 2022-05-22
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: Reporting company used your report improperly

Complaint:
In accordance to FCRA converging account XXXX has violated my rights. 

15 USC 1681 Section 602 A ; states I have a right to privacy. 

15 USC 1681 604 a Section 2 also states that a consumer reporting agency can not furnish an account without my written permission. 

On XX/XX/2022 the bureau in question stated that the account was updated, however it is not 100 percent accurate as requested. Bureau shows over 43+ late payments without further verification. Also the bureau further contradicts themselves on the consumer report as PAY STATUS is stated by bureau as current ; paid, or paying as agreed, with a payment showing posted as recently as XX/XX/2022. The consumer report is filled with inaccurate and inconsistent information and must be 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 non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-03-13
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.

Company response to consumer: Closed with explanation