BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After my XXXX payment to XXXX XXXX, I set up a recurring payment. I selected the option to pay the minimum due plus whatever amount I specified. I specified 10 extra dollars. I had to do the setup twice because the first one was only set to pay for XXXX but I wanted it to recur until the loan was fully paid. 

I logged in to XXXX XXXX on XX/XX/XXXX after receiving an email that the monthly statement had been generated. I did this in order to make sure everything looked correct for the first auto payment. When I logged in, I saw the next payment amount was only {$10.00}. I called customer support to see why this looked like this and asked if I should change the amount. the customer service rep assured me that it would take out the minimum amount due plus {$10.00} on the due date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from UAS imploring me to pay my past due amount. I logged in and saw that I was only charged {$10.00} instead of the total due plus {$10.00}. Interest was also charged on XX/XX/XXXX and since it did not deduct my full payment, the interest was calculated at higher than it should have been. 

I called customer service again to 1 ) see why the payment didn't come out correctly when I was assured it would be on XX/XX/XXXX and XXXX ) if I could get some of the interest charges removed from my account since it was not my fault my payment wasn't deducted correctly. 

I spoke with XXXX who first told me they could not remove any interest despite what happened. She told me I should set up my automatic payment differently and manually type in the amount as opposed to the amount due plus 10. It was raised to an account specialist after my repeated request to remove the interest that was incorrectly calculated, though when I asked the name of the account specialist, I was told it would be sent to a general email. 

I have since paid the remaining balance and changed the auto payment, but I took screenshots and attached them to this complaint ( with my account number redacted ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$1200.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} Original XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XXXX XXXX, 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: ENCORE CAPITAL GROUP 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: Public record information inaccurate

Complaint:
I have recently been informed that there is negative information reported by Midlandcre in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022. 
I challenge the accuracy, compliance and reportability of this listing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To whom it may concern, On Saturday, XX/XX/XXXX, approximately XXXX XXXX   Central Standard Time, I visited the Capital One branch located at XXXX XXXX XXXX, XXXX, TX XXXX. Due to technical issues, the branch employees were unable to pull my account information for an auto loan payoff transaction. One of the bankers was out in the main lobby with her laptop attempting to verify customer information and proceeded to ask for my personal information to assist. She asked me to verify my last name, address, and social security number out loud. I proceeded to verify verbally in a hushed tone, however, she loudly repeated my responses of my personal information to verify accuracy while there were other people in the vicinity and including the person that was with me buying my vehicle by paying off my auto loan. This is a clear and blatant breach of my privacy and my personal information. The person with me buying my vehicle heard her clearly and could easily recall my personal details after the fact. This banker completely disregarded and violated my privacy while being aware that we were in the middle of a busy lobby with people only a few feet away from each other that could listen in on her repeating my personal information out loud. Not only is this unprofessional behavior, it is unethical and illegal. 

1. I want to know if bankers conducting verification of customers personal information by repeating this information out loud is standard procedure at Capital One. 
2. What remedies are available to me now that my personal information has been compromised by Capital One? 
3. What actions will Capital One take to mitigate this failure to protect my privacy and undoubtedly the privacy of other customers? 

Additionally, based on the response by Capital One, I will consider legal remedies to my loss of privacy due to the negligence exhibited by this capital one employee. I also feel that the local public needs to be aware of these practices as they are risking their private personal information by conducting business at this branch with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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 have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please Help! I have contacted XXXX on XX/XX/2022 in regards to a fraudulent bankruptcy case XXXX that XXXX provided to the consumer reporting agency. The agent stated that they was a dispute in process and to call back on XX/XX/2022 to get the results. I called back XXXX XXXX the agent told me that the Bankruptcy case XXXX has been remove from their database. I was placed on hold after I told them their duties of the law. I was hung up on and this is stressing me out. XXXX continues to break the law. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. XXXX continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

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 2019-02-01
Company: EQUIFAX, INC.
State: AZ
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:
In early XX/XX/XXXXI was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

Equifax is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
I have a twin sister that open and account with XXXX time share and she used all my personal information her and a friend of her 's went out of town to XXXX XXXX and brought a time share i have since then file a report with Ftc, Attorney general office and experian along with i have a police report and made the other credit report agency aware i have a identity theft report also. i contact XXXX still no response back to close this off my credit report i have sent in all documents to prove it isn't me i just want this out my credit report i have worked to hard to get my credit score up i have been deputing this for the last 5 or 6 months. I have sent over all requested document to experian and still waiting for XXXX so i can send them information as well but no response this is a {$6700.00} dollars debt i want off my name ASAP each time i call told someone will contact me in 3-5 days still no call yet

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 2019-03-06
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did a application with a bank and they told me I had something negative on my report. It showed up as PMAB LLC out of XXXX NC and I had no idea who that was so I disputed with the three bureaus XXXX, XXXX, and XXXX. Since that time my ex-fiance told me she thinks this is a company who sent something after I had a XXXX about a bill, She showed me where she wrote to them asking for proof this bill was owed before it was paid because this bill isnt showing up like all my other bills thru my insurance company. I just want someone to verify the bill is legit like she wrote them and asked for and I will pay the bill and I want it removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: The Moore Law Group
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Firstly, I received no debt validation letter or a notice for the transfer of debt. Secondly, they sued me and won judgement and afterwards I asked for email communication only. THEY CALLED ANYWAY. Thirdly, I asked for the original agreement from them which I NEVER signed up for WITH " THE MOORE LAW GROUP '' and for the debt validation letter I was supposed to receive 30 days before any action was taken on their part. I also reached out to the attorney general for my state and they told me that they couldn't help me because the Moore Law Group operates out of California and not Colorado. Even though they have an office and employees here. ITS BEEN OVER 30 DAYS OR SO AND I'D LIKE TO DISPUTE THIS AS SOON AS POSSIBLE. I'VE RECEIVED NO COMMUNICATION SINCE THE JUDGEMENT PASSED VIA EMAIL AS I REQUESTED.

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 2021-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions 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:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT

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 2022-11-14
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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-05-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief