BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Nelnet, Inc.
State: DC
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 by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, XXXX, XXXX, Nelnet. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. Nelnet reported late payments when account was under deferred status by Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my 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 explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- Sunday, XX/XX/2020 I exited the XXXX XXXX in New York around XXXX XXXX. 
- A gentleman driving a pedicab offered a ride. I asked the price and he said, {$5.00} per minute. I told him I was going to XXXX  XXXX and asked how much time that should take and what the price would be. He said, That will take about 6 or 7 minutesso it will cost around {$35.00} I agreed to that price. 
- When we arrived at XXXX  XXXX the driver said, I am sorry it took a little longer than I quoted you ; it took around 8 and a half minutes. So the charge will be just under {$45.00}. But here is my business card. If you will call me when your dinner at XXXX  XXXX is through, I will pick you up and take you back to your hotel for free for the discrepancy in price. I was given no invoice and was told it would come through XXXX via email. 
- About an hour later the receipt came via email with a charge of {$380.00} for the 8 minute ride instead of the agreed-upon amount of under {$45.00}. My signature is NOT on the receipt. I immediately pulled out the pedicab drivers card and sent him a text alerting him to the incorrect amount. I got no response. 
- I contacted Chase and they said it did not constitute fraud b/c I had intended to pay an amount ... just not the high amount they charged. They said that they have seen this scam many times. The driver apparently inserts the card into a XXXX  device that he has on his person ( and not the one for the pedicab ) and squiggles something in the signature line and charges a fraudulent amount. Chase acknowledged that it was a scam, but refused to take the charge off my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving mail from midland credit management saying that I owe {$3000.00} but they can not find a account with my social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I received an email this morning ( XX/XX/2020 ) stating that my credit limit has decreased from {$7500.00} down to {$5000.00}. This puts the credit available at {$530.00}. I spoke with three different people at Capital One and explained how this damages my credit score and will make it impossible for me to refinance my house. I have made all payments on time for years. They said they were doing this to many people and the decision was final. They did not offer to review it or allow me to submit any type of rebuttal. This will cost me thousands of dollars over the next several years. This is also going on during the most difficult times with a pandemic going on. It is morally reprehensible and should not be allowed to happen. To not allow any sort of remedy is appalling and unacceptable. I know there are countless others who feel the same. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NE
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:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 explanation
Consumer complaint received 2023-05-25
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I made a payment last month to AidVantage3 which took my account balance from over {$100000.00} USD to under XXXX. My account now says my balance is {$100000.00}. This is not accurate and implies that fees or interest has been added without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Affirm Holdings, Inc
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to transfer XXXX XXXX  yesterday evening through Remitly using their express option, and was promised the transfer would go through by XXXX PDT on XX/XX/XXXX. It did not go through yet as of XXXX the next day XX/XX/XXXX where we are in XXXX XXXX This is actually the 6th time this has happened using this service. I reached out to support and had to wait 30 mins for an online chat, and was connected to 2 different reps because they kept disconnecting. I finally called and got connected to someone who's phone service was so bad I could barely hear a word they were saying. They told me the issue is with the bank 's side but at this point we have used both XXXX and XXXX as the receiving account, the latter of which is not even an actual bank it is an instant service, and had this issue regardless. I just spoke with the 3rd Remitly rep and I could barely hear him over the phone but he said there is nothing they can do, we just have to wait until MONDAY. We are stranded with no money the entire weekend and no way to pay our rent. I asked if they could just refund the money, and they told me it would take 10 business days so it would be better to just wait. At this point the money is just in limbo and I don't know if I will ever receive it. I will never use this service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity theft please remove this fraud inquiry 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 2022-03-24
Company: EQUIFAX, INC.
State: FL
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Card Issuer : Citibank I had taken advantage of two low-interest offers ( " XXXX  XXXX '' and " XXXX XXXX '' ) on this card, both of which expired on XXXX XX/XX/XXXX, and moved to my regular " purchases '' balance, which had a higher interest rate, on XXXX XXXX ( amounts of {$2800.00} and {$39.00}, respectively ). On XXXX XX/XX/XXXX, I made a payment of {$3000.00}, which was more than sufficient to cover the balances plus any interest that should have accrued on them in 3 days ( 24.99 % * 3/365 * [ {$2800.00} + {$39.00} ] = {$5.00} in interest ), and which should have been credited toward the highest interest balance portion of my account, the " purchases '' balance. I also had another low-interest balances on this account which had not yet expired ( " XXXX  XXXX '' of 0.99 % until XXXX ). 

Although XXXX  XXXX was not the highest-interest portion of the account on XXXX XXXX, the payment was improperly credited toward that portion of the balance. I noticed on XXXX XXXX that interest was accruing on this card, and found that this had occurred. 

I contacted customer support ( XXXX, XXXX XXXX  PST ) to complain, and spoke to XXXX XXXX He informed me that the amount had not yet moved into my " purchases '' balance, and that that was why the payment was credited to XXXX XXXX. I told him I understood that that was what had happened, but that it was not correct and requested that he fix it. He said that there was not an option to do that. I immediately requested a supervisor, and he got XXXX on the line. 

XXXX explained the same thing, and then offered to put my Purchases balance on 0 % for 6 months. I told her that was inadequate, and that the interest that has accrued needed to be refunded as well. Eventually, she agreed to do that and stated that a credit of $ XXXX would appear on my statement within a few days, and that my purchases balance would be at 0 % until XXXX XX/XX/XXXX. 

This was acceptable to me, and while it resolves this immediate issue, does not resolve the fact that Citibank is systematically doing this, and thereby charging unknown numbers of customers hundreds or thousands of dollars in improper interest charges. 

This was, in fact, at least the second time this issue has occurred to me. Previously, I had a similar situation in which I made the payment on the same day that the low rate expired, which is why I intentionally scheduled this payment 4 days later. ( Citi did eventually resolve that particular issue to my satisfaction, but their system is still clearly set up to charge improper interest. )

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Paypal Holdings, Inc
State: OH
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:
Someone overtook my PayPal account and sent thereselves {$1200.00}, my account is linked to my bank XXXX. Ive disputed with both of them and PayPal says it was sent to family and friends. I never authorized this I was hacked. Im going through XXXX right now for XXXX XXXX and Im on a fixed income so this has just been a burden on everything In My life right now I have rent due and my electric

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Well first I'll being with on my Experian report I believe I saw something about a XXXX XXXX XXXX XXXX listed as a address I've never heard of or have any understanding why that be on my report also there's several Incorrect addresses on report Wich only one should be there of Wich is XXXX XXXX XXXX XXXX Texas XXXX Also it has multiple names on there few Wich are misspelled there should be only one name on there Wich is my legal birth name that is XXXX XXXX XXXX please have this corrected on my report as of right now that seems to be the only things I notice I've disputed what I could I'll continue to go over an if I find anything else I'll contact you thanks for your time being able to communicate with those haveing authority to correct my report is great my email is XXXX my number as of now is XXXX if need any documentation of my identity I have no problem submitting or going about to prove in any way thanks.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries 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 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 2021-10-16
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've had Two accounts that have not been properly verified from HMC Group, the first one is for {$3000.00} and the second one is for {$400.00} which was placed on my credit report on or around XX/XX/XXXX. I have disputed both items numerous times only to get a Verified response without written proof or my original contract signature with this company. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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:
According to my Equifax and XXXX. On XX/XX/2020 XXXX XXXX Account was open. Now I have been sending out multiply Disputes to the 2 Credit bureaus, explaining to them that this Account is fraudulent and I have no recollection of this account. My XXXX report is the only report that does not reflect that account. and had my updated info on that report. I will like to Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. That Address is associated with this Account. Never live there and want that address off my reports.

Company response to consumer: Closed with explanation