BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
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:
XXXX, 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 deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2019 I received a letter from XXXX XXXX, stating that XXXX XXXX has requested the removal of my collections account from all consumer reporting agencies. XXXX  has removed it, however, as of XX/XX/2019, Equifax still has not. On XX/XX/2019, I submitted a dispute through Equifax. On XX/XX/2019, the investigation was complete, and Equifax continues to show my collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/26, a bill payment check was deducted from my account for a check for {$1300.00} to XXXX XXXX to cover rent for an apartment. The check was mailed by Chase through the postal service. This is a routine payment that was mailed each month and was endorsed the same by the landlord each month. 

This check was apparently stolen while under the control of the United States Postal Service and it was fraudulently submitted into a XXXX XXXX account. XXXX XXXX fraudulently allowed the check to be deposited into this unknown account, and CHASE BANK fraudulently honored the check. 

I filed a fraud complaint with CHASE BANK and they put the money back into my account and told me they would conduct an investigation. I believed this matter to be settled. 

However, CHASE BANK recently sent me a letter stating that they had not heard back from XXXX XXXX and if they did not hear back within a very short timeframe, they would deduct the funds from my account again. 

How am I responsible for the fraudulent actions of multiple third parties, including CHASE and XXXX XXXX who did not exercise the proper controls in doing their business? Why am I to lose {$1300.00} because these banks have degraded their response times and service to an almost unrecognizable state? The CHASE fraud department is riddled with mistakes : they initially opened XXXX fraud investigations and gave me double the money back before realizing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Genesis FS Card Services, Inc.
State: MI
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 this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States i have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: U.S. Collections West, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collector is claiming I owe for carpet cleaning / replacement that took place ~6 years ago at an apartment I formerly lived at. The lease, that I retain a copy of, and have sent a copy to this creditor, clearly states that carpet replacement and cleaning is NOT the responsibility of the tenant after 24 months. Further, I did receive a letter from the property management and have record that I paid in full the final balance due. This charge was added AFTER the fact to that balance. 

I retained this apartment for 36 months. This alleged debt is fraudulent and wasn't brought to my attention until it showed up on my credit report very recently as being in collections, despite its age. Further, even if this debt was valid, it should be allocated to all parties that lived in that apartment and split multiple ways. I've reached out to these parties, and this isn't the case. This alleged debt is only being collected on me. 

This is negatively impacting my otherwise pristine credit report and is unlawful and fraudulent.

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 2023-03-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting agency removed a previously disputed collection account from my file on or bewteen XX/XX/XXXX and XX/XX/XXXX. They then re-added it back to my credit file on XX/XX/XXXX. In the dispute, I asked for the original agreement from the creditor, an itemized list of what I allegedly owe, and a description of the investigation process. The credit bureau did not provide me with any of this information, so the file was removed from my report. Now that the file has been reinserted, I was not provided with a notice of reinsertion from the credit reporting agency about this account within 5 business days- which is, according to the FCRA, a serious violation. I was never provided with any communication from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: MS
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 been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/22 I received XXXX 2 emails from Capital One for 2 different credit cards stating that they didnt remind me before they charged the annual membership fees to my card. It was also stated in the emails they would be reimbursing fees and interest charges related to the annual membership fees, youll see this credit on your statement within the next 2 billing cycles or sooner.On XX/XX/22 I received a credit for my membership fee on 1 of my cards. However as of XX/XX/22 I still have not received the same fee credit on my other credit card. In the evening of XX/XX/22 I contacted Capital One to try and see why I have not received the membership fee reimbursement as promised. I read to them the email I received from them, explained to them I received the membership fee back on my other credit card but not on this one. After getting the run around and being put on hold a couple times he then tells me the email I received was fraudulent and was a scam email. I told him thats impossible since i got the same email for my other card and I received that credit as promised. I am owed money as promised in said email from capital one and all Im getting is the run around now. This is poor business practice and I wanted to make this aware to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have an " Amazon Store Card '' through Synchrony Bank with a {$0.00} balance. Synchrony just lowered my credit limit from {$3500.00} to {$1000.00} without telling me, negatively impacting my credit utilization ratio. I am in the process of applying for a mortgage and this made my credit score go down significantly. 

Synchrony claims that they sent out a letter or email prior to lowering my credit limit, but I received no such communications from them. I found out about the decrease through the credit monitoring service I pay for, MyFICO, when I received a notification yesterday, XX/XX/2020, saying that my limit decreased. A quick search of online credit forums reveals that they've done this to many people, without any advance warning. I immediately logged in to Synchrony and requested an increase, which was immediately approved for {$5000.00}. However, my score has already taken a hit and I am worried about my mortgage application. 

I called Synchrony today at XXXX EST to ask them to immediately update the credit bureaus with my current credit limit, but they declined to do so. I spoke with a customer service rep named XXXX and his supervisor named ( XXXX or XXXX ). They both claimed they had no authority to send an out of cycle update, despite the fact that their company totally screwed me over. 

I am trying to put an offer in on a house *today* and am worried I will have to pay a higher interest rate because of this. I am completely blindsided and don't want to end up paying a higher interest rate or missing out on the property entirely while I wait for my score to update. There's another offer already and the sellers aren't going to wait around. Please make Synchrony report my new {$5000.00} credit limit immediately to all bureaus.

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 2022-03-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage with Mr. Cooper. I have payments automatically send via XXXX XXXX XXXX bill pay each month. All payments have been sent and received on time as verified by both my bank and Mr Cooper. 
For an unknown reason, my XXXX payment ( received by Mr Cooper XX/XX/XXXX ) was credited as " additional principal '' instead of my regular monthly payment. This then set off a chain reaction of late payments in which I was never notified at all about. I only became aware of this on XX/XX/XXXX when my XXXX XXXX report notified my of my credit dropping from XXXX to XXXX due to late payments from Nationstar Mortgage ( aka Mr Cooper ) I have since called numerous times, mostly never getting through to a human. On XX/XX/XXXX I spoke to a representative that fully agreed with me and said she would " escalate it '' I sent an email XX/XX/XXXX to the research department and received a response ( attached ) that made no sense and did not address the problem at all. I replied to their response asking to please give an answer to why my payment was randomly applied to " additional principal '' and received yet another reply that does not answer the problem ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: SC
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:
Checked my credit without my consent or knowledge. 4 times. They claim they did a soft pull then sent me denial letters. They have refused to correct this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Nelnet, Inc.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom This May Concern : I am not sure who or where to go so starting with you. This is regarding the NELNET law suit that was taking place. And I can not remember if I was sent a postcard or not to be part of this lawsuit as a victim. So I will tell you my story. Maybe you can help me to get to the right person to talk to not just a website which is what I am getting a road block. I DO have all the statements from NelNet who back in XXXX and someone can see the differences and big money increase on balance. I made student loans ( direct sub ) what started as a low amount around XXXX turned out to become XXXX. This all happened after NelNet hired a collection agency/head hunter who did find me and when this collection agency found me, I restarted to make payments in 2012 however, the collection agency was paid this extrodinary amount of the difference from XXXX to XXXX. Thank God I kept my statements to prove this and I still have it. I knew there was something wrong it did feel like a preditor who just made a " killing amount of money '' for locating me from Nelnet. And this amount ended up in my student loan account as an amount that I owed and still do. Of course, this became lots of interest on top of it or it was added on it for the past years not exactly sure. All I know is, that i was not a XXXX XXXX XXXX and if I was it was one class at night which I paid in cash to get my XXXX prerequisitions while working at day. And then I did go back to school full time in XXXX school in 2012. Can you please assist me to gather all the invoices that I have to prove my claim here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: EQUIFAX, 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:
Hello All, XXXX Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX

Company response to consumer: Closed with explanation