BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Utah System of Higher Education
State: GA
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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted XXXXXXXX XXXX who my Mortgage was with through Mortgage Solutions today on XXXX XXXX and spent over 2 hours trying to get to the right person to help with the situation. The associate XXXX hung up on me after XXXX mins of working. 

I was in forbearance from XXXX - XXXX of XXXX  and then approved on XXXX XXXXXX/XX/XXXXXXXX  for a partial claim after receiving a bill for ~ {$36000.00}. I am now trying to finance a home and can not due to a single 120 day late charge reported on my credit. 

XXXX stated on a recorded line that she could see that there were corrections reported to in the past and that it was put into the system for correction and never completed. This is unacceptable and needs to be corrected immediately as the lack of action from the company is causing financial damages to my family and life. 

This single 120 day late payment reported is impossible as there are no XXXX or 90 day lates prior to that. XXXX of XXXX  my mortgage was bought by XXXX XXXX and the late payments were reported in error by them as well. Please reference CFPB Complaint ID XXXX. 

There were issues with XXXX  XXXX at the time of the reported late charges and according to the XXXX XXXX  claim, that is what caused the reporting issue. I do not know if Mortgage Solutions have the same system as XXXX XXXX  but the open ticket number if recorded correctly by XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Investigation took more than 30 days

Complaint:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.

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 2023-06-14
Company: Affirm Holdings, 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:
I was laid off due to covid during the time of the late payments. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. 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.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion is showing XXXX XXXX XXXX  with charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. This account also pass the statute of limitation and should no balance.

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 2020-12-13
Company: EQUIFAX, INC.
State: NM
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:
XXXX  has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX with financing through XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. ). Unfortunately, Im unable to interact with Chase as they have incorrect information on file and are unable to verify my identity. They do not recognize any of the information I provided on the loan application, nor the information on the bill THEY sent me. Ive made multiple phone calls and have asked to speak with a manager multiple times ; however, after spending 1-2 hours on hold never reached anyone willing to assist me. All Im looking for is the ability to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I authorized a minimum payment of {$50.00} something dollars from my bank account to one of my credit cards. The next day I realized the credit card company had charged the full amount which was over {$4000.00} and not the original amount I had authorized. I tried to confirm them but they said the payment had already been processed and I should fix it with my bank. So I opened a claim with my bank and provided all the necessary details. My bank declined and closed the claim. I still got charged for that amount of {$4000.00} but even though they didnt give credit back to my checking account, the money was also taken back from my credit card and did not go through as well. Therefore now I feel that my bank has stolen money from me.

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 2023-06-14
Company: CREDIT ACCEPTANCE CORPORATION
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:
Looked at credit report saw inquiries for things Ive never applied for.

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 2023-07-21
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.

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 2023-02-22
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: AL
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 let this go on much longer than I really should have but I was trying to give XXXX, XXXX, XXXX, and the Credit Bureaus the opportunity to correct their mistakes but all they're doing is running me around in circles every month and I'm fed up. Since about XX/XX/XXXX, I have been working on my credit and have made great progress... that is until I learned that there should be no late payments on my XXXX XXXX  if they occurred during the pandemic. Well, there are XXXX XXXX  XXXX XXXX  accounts where I was unfortunately late in XXXX and XX/XX/XXXX. I have requested several times for these late payments to be removed under the CARES Act but XXXX has gone several months of not responding to me and the credit bureaus have spent the last XXXX years " verifying '' the late payment also NOT complying with the laws set in place to help people through something that we literally had no control over. 
XXXX has also not stood on their end of a deal that was set where they sent XXXX of my accounts to collections. I paid the collections and the XXXX charge-off reportings were supposed to be deleted from my credit report. Well, they have been reporting every month when they should have been deleted back in XXXX when I paid them. I just don't understand how they are able to go this long doing this. What is the point of the laws if these companies and the credit bureaus aren't going to follow them? Month after month since XX/XX/XXXX they broke the laws. The FCRA, XXXX, and even XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payments for the XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello- I applied for and was approved for a Capital One Venture XXXX Card in XX/XX/2022. I specifically chose this card because of one of the advertised benefits- it provided a XXXX XXXX membership that included access to restaurants. 

In XX/XX/2022, I received an email indicating that this benefit was changing and the XXXX XXXX  membership provided as a benefit of my card would no longer grant any restaurant benefits. 

As a result of this, I can no longer receive any benefits from the provided XXXX XXXX  membership when I fly out of my home airport, XXXX 

So, essentially, the benefits that were advertised are marketed as part of this card are no longer available - this after I paid a significant annual fee. Had I known this, I would never have signed up for the card. This has cost me a reduction in my credit score as a result of the hard inquiry and the {$390.00} annual fee. 

I feel like this is a bait and switch - advertised and marketed benefits will no longer be available. There was a reduction in benefits but no corresponding reduction in costs. I called and spoke with a Capital One representative and her supervisor asking for a statement credit to compensate me for the reduction in benefits or a reduction in the annual fee and was denied this request. Both representatives were very professional and understanding of the situation, but unfortunately they were not authorized to address the issue. 

I would like a statement credit to offset this reduction in benefits. An equivalent XXXX XXXX membership that provides the benefits that were advertised and that i paid for through my annual fee and the revenue generated by my card use costs {$460.00} - XXXX XXXX XXXX 

I would like some compensation from Capital One. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-06-14
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received XX/XX/XXXX a call at my Job, and it was from a company called XXXX XXXX XXXX from a gentleman by the name of XXXX XXXX. He stated that the call was in reference to a World Finance Debt. I was surprised because he stated that I owed a debt to them. I respond that I had XXXX loans from World Finance but they both were satisfied. I immediately hung up and called the XXXX location where I got my loans back in XXXX, and XXXX. The XXXX location confirmed {$2000.00} was sent to collections. This guy XXXX XXXX from XXXX XXXX XXXX stated I received a loan in XXXX. I never got a loan in XXXX I applied for a loan but it was denied that's what the world finance representative told me. I don't know if the World Finance employee lied and said I was not approved but I was approved and took the monies, but I never received a loan. This is a fraud, and they're coming after me for monies I've never received and it's ruining my credit.

Company response to consumer: Closed with explanation