BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
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 items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover bank is keep putting some of the charges back even though the issue has been resolved and I have received a letter that Discover bank confirmed all charges were unauthorized. 

This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Tranunions plenty of time. Sent certified letters and everything. Sent proof of my XXXX payment never been late. The lady on the phone says the letter show proof but dont say deleted the information.

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 2021-05-15
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection agency gc services for XXXX XXXX has an account for me that is fraud. This is the second time XXXX let someone open an account in my name .I disputed the first one and it was removed. I asked them if the could allow a block or note regarding my name in there system so no ine would be able to open another account in my name, and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
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:
I found inquiries on my report that i dont recognize XXXX XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 Equifax XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The secured credit card was closed two months ago, the bank has still failed to return the small security deposit on the XXXX balance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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 asked for my credit report from Equifax on XX/XX/2021 they sent out a report with the wrong name spelling of my last name. I have disputed this numbers of times and other incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

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 2020-03-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, Equifax and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Monarch Recovery Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Thus company, Monarch Recovery, has repeated called me. They are leaving voicemails threatening me, they've started calling my children and friends. I receive between 4 and 6 calls a day from these people. My daughter was called twice today by this company. They left a voice mail with her threatening me. I am being stalked and harassed by these people and it is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was closed with Wells Fargo due to overdraft fees but there were several unauthorized payments that were cleared by the bank that should have been placed on stop payment.

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 2023-02-01
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:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day, for months Portfolio Recovery calls me. At varying times throughout the day, several times a day. And every time its a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ARE ACCOUNTS AND HARD INQUIRIES I DO NOT RECALL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased two vanilla gift cards ( issued by XXXXXXXX XXXX  ) they were declined most places so I called customer care. They told me they would send me a check for the money left on the cards. The check never came. When I called to inquire they told me the cards were turned off and the case was under investigation and someone would call in 48hrs. This charade has now been going on for 9 weeks. They will not release the funds, refund the card purchase or reissue the gift cards in working condition. The cards are issued by XXXX XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account and money was taken from XXXX XXXX all of my money and funds were electronically withdrawn this has caused hardship with my Chase account and capitayone account as I have filed a XXXX breach settlement because of false reporting and also neglected my small business where as I cant establish my accounts because of false reporting reflecting from XXXX XXXX and XXXX false reporting my info as my bankruptcy was also XXXX last year its been I XXXX r XXXX years this has really caused me damage with job opportunities and so forth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From XXXX I submitted paperwork to my student loan servicer, previously XXXX and now Fed Loan Servicing , to have my payments adjusted based on an Income Driven Repayment ( IDR ) plan. I would call and speak to agents who would repetitively state they did not receive the fax with my proof of income or my Public Service Loan Forgiveness ( PSLF ) paperwork. Eventually I would call and agents would state they " received my paperwork '' and I was " approved '' for a payment of {$0.00} based on my household income, the servicer would advise me to call back in a year to recertify. During XXXX, XXXX, and XXXX my loans went delinquent between 90 - 180 days before I was mailed a statement multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I then called and was pushed into Administrative Forbearances to clear my " overdue balance '' and then put in a General Forbearance while I again recertified my income. The only paperwork I can find is the letters from Fed Loan in XXXX - XXXX of XXXX. This income driven/PSLF process was confusing and repetitive. I thought it was just me, but now I see the stories that hundreds/thousands of others faced the same predatory practices that have negatively impacted my credit report and now my PSLF/TPSLF payment count. I have attempted to resolve this issue with Fed Loan Servicing as well as a FCRA dispute ; neither option has worked to correct the issues. Under the TPSLF program I was credited every other month in XXXX ( XXXX, XXXX, and XXXX ) while working for a qualifying employer. Then I was credited single months in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as a qualifying payments. These random dates make no sense and further my confusion about what sloppy and inconsistent servicing was provided in the years prior to the COVID forbearance. In total these practices of " lost paperwork '' and pushed forbearances have cost me 38 qualifying months that I would have been in an approved IDR plan and credited for PSLF payments. I know this was a servicer issue because my other set of loans ( Perkins loans for {$11000.00} with my university ) required certification yearly for five years ( XXXX ) which I completed and were forgiven. My loan delinquencies, forbearances, and credit reporting are isolated to XXXX and Fed Loan servicing issues, not my inability to complete the proper paperwork in a timely and accurate fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : account number XXXX, XXXX/FED LOAN SERV : account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX : account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-01
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Southeast Toyota Finance repo my vehicle, after getting a notice of violation of my right to recession of the contract within XXXX XXXX Notice was sent to them and it was ignored. according 15 U.S Code 1635 ( a ) I was never notified in writing about my right to rescind the contract. So the contract is void and null, they still harassed me collection of the voided contract. There was financial and emotional damaged caused by their business malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from Diversified Consultant from phone number XXXX without any message being left. 
Upon answering one call the person asked me to identify myself and proceeded to inform I owe {$1000.00} without providing any additional details. 
I asked for clarification and proceeded to inform " this call is being recorded '' and " my actions will be taken into consideration ''. 
I proceeded to contact XXXX XXXX, the company who engaged the services of Diversified Consultant who provided me with further details on the situation. 
It remains unclear the steps followed by XXXX XXXX to open an account ( e.g. in person or over the phone ) nor the full details that led for them to ask a collecting agency to search for people with my name, such as whether or not they ask for forms of ID, run a credit check, etc. 
Upon contacting XXXX XXXX they asked for their ID Theft form to be filled and notarized. 
Their ID Theft form has 2 major flaws : it asks for the full SSN to be provided and a copy of form of ID to be provided. These are, precisely, instrumental for ID Theft and should have NEVER been asked by XXXX XXXX in any way or form. Instead, they should leverage the Police department to address any concerns regarding proof of residence and ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: RI
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 disputed an erroneous collection report on my experian credit report multiple times with no avail. I have sent them the actual documents from the CA that proves that it is not even in my name ( name on CA documents is not even spelled the same as mine and signatture too. ) yet they still report this information. After i complain to experian and complain on here all the do is send me an updated copy of my report with the wrong information still.

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 2023-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Association {$660.00} Company has unautherized parked debt on my consumer report

Company response to consumer: Closed with non-monetary relief