BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased an XXXX XXXX XXXX XX/XX/2022. It was a used XXXX XXXX. After such time, the car has depreciated in value, and requesting a refinance on the car has been difficult, due to the high monthly payments. After doing some research, I started studying the contract and the loan process, and found there were inconsistencies and questions regarding the origination of the loan and imperfection of the lien. I sent Chase an offer of set off and discharge, but they refused, which is dishonor. I sent the CFO documents of discharge set off, and below is a copy of the notice of rescission of contract.

Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the car sales contract that is identified by the above referenced account number. The primary basis of the rescission is that, I was not provided a completed copy of the notice of my right to rescind the consumer credit transaction, in violation of 15 USC 163 ( a ) and Regulation Z, and 12 CFR 226.17 and 12 USC 226.23.

The attached documents were sent via certified and registered mail to the CFO/Trustee of Chase Bank . They were stamped and notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my Equaifax and XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I have been disputing since XXXXthey have not reviewed documents sent from merchant. The dates listed on gift vouchers are for hotel supplies and were made on dates we were not in country..and if they would go back to when I first reported I have never said anything about gift cards. Why would we go to XXXX  XXXX and spend {$17000.00} on gift cards to purchase hotel cleaning supples on dates we were not there and do not match the date I reported??? The merchant is falsifying receipts not to mention we never received the goods they claim we purchased. I have sent 2 police reports and still nothing. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: INTERCONTINENTAL CAPITAL GROUP
State: FL
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:
This Company gave me a hard ( regular ) Inquiry on my Credit report without my permission. I did not speak with anyone from this company, and never contacted them. I believe they are a fraudulent company that just sells your information to refinance/mortgage companies. This fraudulent Inquiry is negatively affecting my credit score. This company does not have any phone numbers that work, and if you look it up, 3 numbers come back- they all remain busy for hours, they never connect you to a live persons- it's all fake The Inquiry reads as : Intercontinental Capital via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX it states it was for a permissable purpose : credit transaction ( not true, never spoke to anyone ) on XX/XX/20 ph. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: WA
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 explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IL
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:
As a consumer and the original creditor, I am exercising my specified remedy. XXXX, XXXX, EQUIFAX has violated the law. This position was filled by XXXX, XXXX, EQUIFAX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. XXXX, XXXX, EQUIFAX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
XXXX, XXXX, EQUIFAX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. XXXX, XXXX, EQUIFAX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. XXXX, XXXX, EQUIFAX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If XXXX, XXXX, EQUIFAX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom XXXX, XXXX, EQUIFAX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone XXXX, XXXX, EQUIFAX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NJ
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 see things may be inaccurate. Start looking at the accounts XXXX XXXX XXXX and XXXX XXXX. I believe this information may be inaccurate. I need this deleted now. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX  XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/XXXX  ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made 3 payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with Experian on XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX both of my credit card accounts were closed. I made payments promptly and never had a late payment for the entirety of card ownership. Fast forward to the next year and I recieved preapproval letters from Capital One for another card so I applied and was instantly approved. A couple days later on XX/XX/XXXX Capital One again closed my account and restricted all access. From all of my cards, I never recieved my rewards balance despite having earned them through made purchases. I exhausted all channels of customer service to reopen my account unsuccessfully. I did not violate any terms of my agreement and Capital One refused to acklowledge that nor give me a reason as to why my accounts were closed. I was in absolutely great standing with Capital One until the week after XXXX when my cards were locked and later my account closed. They refuse to provide the exact code or line of the agreement that was violated because there was no justification in closing my accounts much less offering me another card, blacklisting me and closing that too. It was completely unethical.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MD
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXDEPT OF ED - XXXX XXXX/DEPT OF ED XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DEPT OF ED - XXXX XXXX/DEPT OF ED - XXXX XXXX XXXX XXXX - XXXX XXXX/DEPT OF ED - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
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:
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 delete 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 XXXX XXXX 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 2023-08-15
Company: Experian Information Solutions 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-26
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Received a letter from Wakefield and Associates, LLC ( a reported collection agency licensed in Tennessee ) indicating that they were engaged by XXXX XXXX XXXX  XXXX to collect {$390.00}. Requested payment via XXXX. Visit www.wakeassoc.com to securely pay online. Claim to have made several calls to me. 

XX/XX/XXXX - Called Wakefield at XXXX to inquire. They wouldn't provide any information other than that the service was completed at XXXX XXXX XXXX XXXX ] in Illinois on XX/XX/XXXX. I informed them that they had ( i ) my first name wrong, ( ii ) that I don't live in Illinois nor have I been there in 8 years, and ( iii ) that I have not been to a hospital or doctors office in 7 years. I requested more information, which they denied and said I would need to write a letter to receive, and subsequently requested that they stop the claim as they have the wrong person. 

XX/XX/XXXX - Received the exact same letter as received on XX/XX/XXXX, but with an updated amount due of {$1100.00}. No other changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There was a lis pendens against my property, which I have retained my own attorney and got it resolved immediately and reported back to shellpoint, as my mortgage lien holder.

However, they first illegally stop taking payment from me. Then bill me an outrageous unexplained " litigation cost '' of {$4700.00}. I called the customer care many times, but they refused to help. Told me to contact " XXXX '' which i did many times never got a reply. 

I have also mailed them qualified written request which i never got a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-16
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: Information belongs to someone else

Complaint:
I have went over my credit report and there is a account from XXXX XXXX that I do not recognize

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 2022-11-17
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation