BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
My experian, XXXX and XXXX is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report. 

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 lam demanding the deletion of the accounts listed 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 2022-10-19
Company: EQUIFAX, INC.
State: WV
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:
The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I've been trying to get my car titled and registered in XXXX  for 2 YEARS, and they have refused every step of the way to help me. I am still paying Capital One for the loan, but they will not send the DMV, or myself, the documents I need to register and title the vehicle. I was living in XXXX, now I am in XXXX. My car is two years expired because of their refusal and inaction, so essentially I can not use what I am paying for. I was recently escalated to tier 3 customer complaint, The Office Of The President, or something and haven't heard anything in almost two weeks when the representative said she would resolve this ASAP. I call their Auto Finance help line and every time I call the automated answer says " I'm sorry, we're unable to take your call at this time ''. I haven't been able to reach anyone for weeks. The last time I called, I went through their personal loan line to have someone connect me. I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: AMERICAN EXPRESS COMPANY
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:
My credit report stipulates that the credit card company noted my credit card was over the limit by XXXX. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had Amex lower my XXXX XXXX XXXX credit limit to XXXX and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of XXXX and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: SC
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 never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I was taken to the emergency room from my employer XXXX XXXX XXXX, the emergency room my then health insurance coverage was XXXX XXXX. Because it was a emergency XXXX XXXX paid for the billed received from XXXX  XXXX XXXX, XXXX. However the physician portion was billed incorrectly, they billed Medicaid which was not my insurance carrier. I have repeatedly attempted to get this resolved with countless calls to XXXX XXXXXXXX, and they refer me to different billing entities XXXX, called this number and they referred to XXXX which then referred to XXXX I have been disconnected, hung up on and treated extremely rude by all that I have reached out too. 

My final attempt was today to all the above numbers and XXXX when I asked to speak to a manager or supervisor and was transferred to XXXX who was extremely rude and condescending. I explained thoroughly the billing error to which he stated I could not tell him what needed to be done. Refuse to confirm with me my XXXX XXXX member number to make certain that they had the correct information so that they could bill and collect on the outstanding, he stated that they are a collection agency and collect not bill, XXXX XXXX washes their hands and says the agency has to be the one to bill. Bottom line XXXX XXXX  has in likelihood written this off and given it to the collection agency to collect cents on dollar, I will not and emphasize will not allow my credit to be harmed over inefficient billing by the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paid my bill for my Walmart credit card on the due date on XX/XX/XXXX and was assessed a {$28.00} late fee on the same day as the payment due date. I paid my bill on the due date of XX/XX/XXXX and once again I was assessed a {$41.00} late fee. Why am I being assessed a late fee when I paid my bill on time. CapitalOne uses automated systems to automatically charge a late fee to consumers. Customers should have until XXXX XXXX  on the payment due date to make their payment and CapitalOne should not have early payment cut off times. CapitalOne is the only credit card company that utilizes early payment cut off times. CapitalOne should not employ automated systems to aggressively and automatically assess late fees on the same day as the payment due date. CapitalOne should not be so aggressive with assessing late fees. As a CFPB report on late fees concluded the late fees are not to incentivize on time payments and are used to increase the credit card company bottom line and profit. CapitalOne should explain why they have a XXXX cut off time while other credit card companies give customers until XXXX XXXX on the payment due date. CapitalOne should also have to explain why they are so aggressive in assessing late fees and assessing late fees on and as soon as the same day as the payment due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit 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 2020-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
USAA has to do a better job of contacting it's most Veteran customers who suffer from XXXX and other issue. For example XXXX XXXX calls their customers. On the eve of the worst Pandemic of my life time USAA decided to side on the side of its Ticket Broker associates XXXX over it's own long term customer of approximately 8 years. I purchased my tickets using a USAA debit card XX/XX/2020 from XXXX  for the amount of {$280.00}. I had entertained the idea of selling my tickets and on a XXXX search XXXX appeared. There website requested a Card in which to make a deposit. Almost 3 days before and the day of when I was awoken by a ticket broker I declined to sale my ticket and attended the event. Sometimes after the event approximately 30 days after my purchase XXXX debited my account {$280.00} and an additional {$200.00}. USAA does not have an email to send documents instead yout are directed to upload documents on an App that does not work. Based on there location, I can assume that my Ethnic sounding name and that the show was headlined by XXXX XXXX was all that they took into consideration when debiting my account without a phone call ot text which is standardized communication. The Coronavirus and my inability to access funds has severely taken me into a depressed state that saddens me. I would like my funds today so that I can buy diapers, tissues, water, and food. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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 filed my original complaint with Consumer Financial Protection Bureau XX/XX/2020. Experian answered with a letter XX/XX/2020. Your instructions specifically told me to only give my name-address-amount in question & phone # for contacting me. I did that. Beginning XX/XX/2020 I started to receive phone calls, and text messages from phone numbers that my cell phone listed as SCAM RISK High. Every one of the calls and texts referred to my financial difficulties, and most of them had the exact amount XXXX {$3100.00}. ) that I gave you in my complaint. 
Obviously, Experian is selling people 's personal and confidential information to hackers. Who then try to obtain SS # s date of birth, etc. As a government agency, it is your responsibility to protect citizens and their info. Experian should be fined or arrested for selling peoples confidential information!! 
These credit report companies only interest is to obtain SS # -DOB which they then sell to highest bidder. My original complaint # was 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 2021-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. experian has me at a score around 592. That is a huge difference. experian paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-08-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Bright Capital Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
A few months ago, I got started using Bright XXXX to help rebuild my credit. They use a software called " XXXX '' to link your bank account to their service to withdraw payment every month. My bank account got disconnected every FEW DAYS and I had to reconnect it. I reached out to customer service multiple times via phone, email, in app chat support etc... ( I have documentation for all of this ). I told them it would not let me make a payment no matter what and my bank account was getting disconnected from their service almost every XXXX hours. Furthermore, whenever I do " relink '' the account, I attempt to make a payment and it says that " I cant make a payment that exceeds the payment limit ''. So there is NOTHING I can do. They have now reported two late payments to XXXX further destroying my credit. 



The only time I received a response was by email OVER 4 WEEKS after the original email/chat message was sent and the response I received was automated. I asked to close my account and pay whatever remaining balance was left and that the 2 missed payments be removed for an obvious technical error. Their response was automated and completely unrelated reading : " XXXX XXXX, I am writing to apologize for the late fee that was charged on your credit card account. We understand that this has caused you inconvenience and frustration, and we take full responsibility for this error. 

To ensure that we can promptly address this issue, we kindly request that you provide us with the last 4 digits of the card that was charged a late fee. With this information, we can quickly identify your account and review the details of the late payment. 

We would also like to request the due amount and the date that the payment was originally due. Please also send us a clear screenshot of the late fee. This information will help us investigate the cause of the late payment and ensure that it does not happen again in the future. 

Please accept our sincere apologies for any inconvenience caused by this error. We are committed to resolving this issue as soon as possible and ensuring your satisfaction with our services. '' I have tried everything with these people and they refuse to respond. Try calling their public number at anytime during their supposed business hours and I guarantee you will not get a response

Company response to consumer: Closed with explanation