BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NC
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:
TO WHOM IT MAY CONCERN : I spoke with a representative at Equifax on XX/XX/XXXX about a late payment that they reported as late back on XX/XX/XXXX. I was told to submit a request to have the falsely stated amount of a late payment of {$210.00}, which I paid, to be removed from my credit report. You can reference my payment history on all of my other bureau accounts and they show 100 % on time payments. Equifax is the only reporting bureau that is reporting a late payment on my credit report, and I don't understand why. I WANT THE LATE PAYMENT TO BE REMOVED IMMEDIATELY AS SOON AS POSSIBLE, because this is ruining my life and credit report. I can not rent a place or get a loan to stay because of this bad mark on my report. PLEASE REMOVE THE LATE PAYMENT IMMEDIATELY. 

In accordance with the Fair Credit Reporting Act Equifax, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems Inc. Put a collection on my credit statement for {$280.00} that is not mine.Called them on XX/XX/21 .They said they could not help me it is my problem to fix there mistake have to send letters to all 3 credit reporting agencies .Bad business practice. wrong 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 2020-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are receiving repeated robocalls from someone claiming to be Harris & Harris.. 

The recording states that they are Debt. Collectors and instructs to call their number XXXX.. 

The recording provides no information as to the reason for the call, or the nature of any possible debt.. We have been receiving these for approximately six months.. 

After attempting to report this action on the FCC 's Don Not Call Complaint site, and was informed that Debt. Collectors are not bound by the Do Not Call Rule, I posted here..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I contacted Equifax about unauthorized hard inquiries on my report. I have tried several times but they refuse to remove them even after explaining I did not authorize those credit pulls. The inquiries are : XXXXXXXX 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 2020-12-15
Company: Phillips & Cohen Associates, Ltd.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from a new Collection agency called Phillips and Cohen Associates. I previously sent in a complaint against XXXX XXXX who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: VA
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:
Reached out to the bureau requesting validation of debt for charge off account for XXXX  on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done three times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a loan with Ally for a about a year and a half. During this time i have only been able to make about XXXX payments on their website or mobile app. I have call and complained many times that i have not had access to my online account and every time they say it will be fixed in XXXX weeks. The issue with my account is still an issue today. I have been forced to make payments over the phone and pay a {$4.00} fee every time.

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 monetary relief
Consumer complaint received 2020-12-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
{$30.00} claimed due to XXXX XXXX XXXX Had XXXX XXXX XXXX internet in XX/XX/XXXXBilling cycle was XXXX of one month to the XXXX of next month Charge was {$60.00} per month Cancelled service on XXXX XXXX and sent XXXX XXXX XXXX {$30.00} payment in full settlement Receive another billing for {$30.00} I contacted they three different times and their response was " We do not adjust bills '' My response was I do not pay for something I cancelled did not use and did not want They gave my account to two collection agencies so far. I explained the situation to the fist agency and I never head from them again The second agency ( Sequium Asset Solutions LLC ) began contacting me in XXXX XXXX sent them an email on XXXX XXXX Explaining the circumstances They ignored my email and reported me to an outside credit reporting agency. My XXXX credit score dropped 10 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-15
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We use XXXX for processing our business transactions. 

Our case with XXXX is CASE # XXXX Our XXXX account was breached on XXXX occasions from XXXX through XXXX - in the amount of {$35000.00}. By the time Square told us - funds were gone. 

XXXX blamed us for not implementing the XXXX step verification, a system of which they turned off and subsequently turned back on after this occurrence. 

My wife and I traveled during the holiday. When we returned we immediately contacted Square. Nobody helped us - nobody investigated - nobody at XXXX did anything. Only sorry - {$35000.00} is gone. 

1 ) is XXXX insured for this? 
2 ) is XXXX going after these funds and then keeping them without my consent XXXX ) they were transferred to XXXX XXXX accounts - did XXXX tell XXXX None of the above were allowed to be discussed with XXXX - only sorry there is nobody to take this up with. 

This is not right. We had to file today against Square with XXXX, IC3.gov, Identitytheft.gov and will be meeting with our legal counsel next week - all based on Squares horrible decision and them doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: KY
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  Account # XXXX XXXX  XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXXXXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

MOBILE USA 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

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 2023-08-09
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/2023 an email was corresponded between myself and Equifax to resolve the issue at hand. I requested for Equifax to verify information they placed on my consumer report without my permission. I requested for debt validation as their reporting has significantly impacted my livelihood by false reporting and failure to properly investigate accounts like congress has required them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

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 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a membership and a rewards card with XXXX 's XXXX XXXX. At the end of XXXX, XXXX 's transitioned from using XXXX XXXX  to Capital One. We were told that all of our prior rewards unredeemed, and all purchases made in XXXX during the transition would earn rewards. Right now, the only rewards currently on my account are the rewards I earned on the Capital One account. My purchases on the XXXX 's account from XX/XX/XXXX - XX/XX/XXXX as documented on my first Capital One Statement were {$18000.00}. On my XXXX 's account, I took a screenshot on XX/XX/XXXX that shows my rewards earned fro XXXX, XXXX = {$2.00} and XXXX = {$19.00} ( These rewards tie back exactly to only purchases made after the transition to Capital One ). I am supposed to earn 5 % on XXXX 's purchases, 2 % on restaurants and 1 % on all other purchases. The breakdown of the total XXXX of purchases and associated rewards I should have earned from XXXX XXXX XX/XX/XXXX are as follows : XXXX XXXX Purchases {$160.00} @ 5 % = {$8.00} rewards Restaurant Purchases {$620.00} @ 2 % = {$12.00} rewards Other Purchases {$18000.00} @ 1 % = {$180.00} rewards Total rewards I should have earned for this time period is {$200.00} and as you can see above, the rewards available mentioned above were only {$21.00}. 

I called both Capital One who told me after multiple phone calls and forwards to other departments, that the XXXX 's membership team would have to resolve this. I was then connected to XXXX XXXX to whom I requested that the XXXX transition issue be reviewed, as well as the rewards I had earned and not redeemed that were not transitioned from XXXX. The response was the email below, as you can see they did not respond to my complaint. 

Dear XXXX, This is XXXX, from XXXX 's XXXX XXXX XXXX XXXX XXXX. 

Im sending you this email to provide the resolution related to your Rewards balance request, As our Rewards team sees your eligible spending for the time period from last year to till date is {$7500.00} At an X5 % earning is {$370.00} and our Rewards team see you have already received {$630.00} which means you been receiving the rewards correctly. 

I have screenshots of the XXXX credit card transactions above, as well as the rewards balance that I can share if necessary. Unfortunately, I was unable to get onto the XXXX  Site to calculate the unused reward balance which I estimate to be about {$80.00}. I would also like to state, that I had to make a complaint in the summer of XXXX because when XXXX  transitioned to a new system, I was only 1 % on my purchases. It took a couple months to get that fixed with your assistance, which I appreciated. But honestly, I don't feel either XXXX 's or XXXX  properly reinstated all of the rewards I was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Andrews & Cox, P.C.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company XXXX XXXX XXXX XXXX has harassed me daily by calling my personal cell phone number from XX/XX/XXXX until this present day XX/XX/XXXX. Repeatedly! ( Bleecker Brodey & Andrews ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, XXXX XXXX XXXX XXXX sent a Sheriff Deputy to my house that XXXX XXXX XXXX XXXX XXXX and they could have possibly XXXX me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the XXXX XXXX XXXX  and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Affirm Holdings, Inc
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have contacted Affirm multiple times. When using the app, it makes me request credit eligibility to access my account. When I click on links within the app, it generates an email that my loan request was denied. I did not even request any type of loan or credit. This is random and frequently. They are denying loans, Im not even applying for. They also refuse to report my current loan accounts to the Credit Bureaus. They only want to report when people have negative accounts, which is wrong when those of us pay our accounts on time and in full. I feel like this is a very shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: DC
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:
The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint XXXX  responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from Experian dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to XXXX, XXXX  and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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