BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted capital one several times due to my XXXX XXXX  being shut down due to Covid19 and understood interest and late fees would be waived during shutdown especially XXXX, where I live, however, they did charge interest and late fees several times and my credit went over the limit, lowering my credit score. I contacted capital one on XX/XX/XXXX and they stated there was a hardship program that would lower interest from 26 percent to 7.9 percent and I stated I would call back in XXXX if we were still on shut down, which we are. When I called back to make payment arrangements on hardship program I was informed that even though they informed me about this program they will not extend that offer to me, I keep asking why and they keep evading and stating it is not for me and there are no hardship programs for coronavirus income loss. I emailed the CEO of the company XXXX XXXX and president of retail XXXX XXXX for help and neither one responded. I have gone on XXXX  and XXXX and get the run around. They stated they can only remove one interest and late fee and extend the payment due one more month. I only qualify for {$180.00} weekly for pandemic unemployment for XXXX XXXXd weekly and can not pay over $ 300 month with that amount as I have rent, food, utilities, etc. I am offering to pay just need to modify interest and monthly amount. If my credit score continues to go down I will not be able to lease space when we finally open up in XXXX again as they do credit checks to lease fitness studio space. I am so upset that they informed me of the hardship program and then stated, but it is not for me. These are extreme circumstances we are all facing and especially hard in XXXX and no one could have anticipated this. I am willing to pay I just need some arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. WELLS FARGO BANK CAR XXXX was reflected as a late payment 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.

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 2021-04-13
Company: Experian Information Solutions 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:
The company has delinquent payments. I called to put my student loan in forbearance and the negative payments were supposed to be changed and not reflect negatively on my 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 2023-10-10
Company: EQUIFAX, INC.
State: IL
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE 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:
In accordance with the Fair Credit Reporting act. The list below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than SEVEN YEARS 15U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-06-15
Company: EQUIFAX, INC.
State: AR
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 have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: UT
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 have sumitted 4 disputes with equifax credit bureau and they keep giving me the same run around. I had an agreement with a creditor ( XXXX XXXX ) to have an account be removed off all 3 credit bureaus. They was removed off all but equifax, I have submitted multiple disputes with equifax with the same outcome. I have submitted documentation of a deletion letter to have an item removed off my report and they tell me it is not adequate information, and they have contacted the creditor and it shall remain on my report. I have contacted the creditor ( XXXX XXXX ) and they say they have submitted over 3 times the code equifax needs to delete the item. When I have called equifax about my last dispute they said they contacted the creditor on a certain date to verify the account status and that it would remain on my credit report, when I contacted the creditor they said they have not been contacted by equifax. Equifax is not doing their jobs correctly and are hurting me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: AR
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 have been contacting the reporting agencies since XX/XX/2020 and I have not gotten a response from them

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have been contacting the reporting agencies since XX/XX/2020 and I have not gotten a response from them

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 2021-08-07
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 pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: W&A Intermediate Co., LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 recently reviewed my report and notice unauthorized inquires on my report I have sent letters to each company and has still not received and validation. I also submitted my FTC report and have yet to receive a response. These unathorized inquires needs to be deleted immediately. 

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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:
Here are the inquires and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-17
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I mailed a certified dispute letter to XXXX XXXX XXXX XXXX XXXX and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Velocity Portfolio Group
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information

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 2022-07-22
Company: U.S. BANCORP
State: AZ
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:
On the account listed below, I have never been late on my account, but it's being reported as late. You can see that i am always on time. I told the bureaus to investigate every piece of information on the account listed. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 


ELAN FIN SVC XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$61.00} {$61.00} {$61.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$980.00} {$980.00} {$980.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1500.00} {$1500.00} {$1500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK

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 2023-10-09
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name XXXX XXXX XXXX XXXX ( PURCHASED AN ACCOUNT FROM " XXXX XXXX THAT HAD A FRAUDULENT ACCOUNT TAKE OVER WITH FRAUDULANT UNAUTHORIZED CHARGES A WHILE BACK " AND NOW HAS IT IN COLLECTIONS AFTER I REPORTED FRAUD AND THEFT TO XXXX XXXX MULTIPLE TIMES, I AM NOT RESPONSIBLE FOR ANY CHARGES AND WILL NOT PAY IT, THE ACCOUNT WAS STOLEN AND USED WITHOUT MY PERMISSION. IT IS IDENTITY THEFT, REMOVE IT! BELOW IS THE ONLY INFOR I FOUND! 

Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$710.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$710.00} ( FRAUD ) Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$710.00} ( FRAUD )

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 2020-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Account at Wells Fargo Monthly payment amount of {$1300.00} Requested covid suspension for 90 days. They granted, but didnt tell me what would happen at the end of 90 days - just gave me a list of potential options that MAY be granted at the end  depending on who the loan was backed by I emailed them about 7 times over the course of this period and they refused to give me an answer, just the same generic email responds as before. They then sent me a letter with the same generic info. When i call in, no rep can give me an answer and just keep forwarding me to an automated system that only gives balance info etc. very frustrating to not be able to plan for what happens at the end and im sure they prefer it this way In my opinion they have been, and still are, the worst major XXXX XXXX XXXXXXXX

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 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : 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 2022-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I try to send a gift card in my chase online banking and then a XXXX transfer to the same person but they cancel and block my online access I call to try to fix it but they ask me for a social security number and I don't have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I found the legal name of the court is incorrect in my credit files with XXXX XXXX, XXXX   and Equifax. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. XXXX  and Equifax both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. XXXX  continues to list the bankruptcy item in my credit file. Equifax has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 XXXX second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, XXXX  XXXX XX/XX/2019 XXXX and Equifax XXXX XX/XX/2019 XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XX/XX/2019 for 30 days late? 

I am not sure how this happened, but the payment was set up automatically and all the sudden they stop taken the payment from the account. When I found out that they didn't take the money. I personally called Toyota finance, and they said honestly they didn't know what had happened. They also had mentioned that they would take care the late mark on my credit file due to their internal mistake, but now I'm pulling my credit and reaching out to them and they still haven't updated as paid as agreed never late. Again, I had made my payment with them and they had all my bank information. I have never been late with TOYOTA for all the cars I've leased from the.

Company response to consumer: Closed with explanation