BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
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:
The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: AFNI INC.
State: TX
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:
There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XXXX of XXXX, I got a small loan of {$1500.00} from CareCredit to pay for my XXXX to help XXXX XXXX XXXX. I was told it was a low interest credit card for paying medical expenses. On XX/XX/XXXX, I was charged {$400.00} as an " interest payment ''. I called CareCredit to get this resolved because I assumed it was a mistake. I spoke with 3 different people and they all claim the {$400.00} fee was due to a promotion that I was unaware of when I signed up. Apparently I was supposed to pay the entire loan in 1 year in full. Nobody had told me about this promotion, if I was aware of this, I would have paid off the whole thing in full without a problem. Nobody at the company was willing to help resolve this issue. I'm really hoping an agency can help me resolve this.

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 2021-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I received notification that money was sent via XXXX. The sending bank has tried over and over to help. The sent the money again. I called my bank chase over and over and over. They are arguing and yelling at me because they do not understand and keep telling me why I called. I asked for someone to help me because this continues to happen. The supervisors start yelling as well. They disconnect the line so they won't help me. I have not been able to access what was sent. No one at chase nor XXXX helped me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2021-12-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report I have a closed account with prestige financial services also known as pfs. Well the account was closed XX/XX/XXXX. Well there reporting it was closed on XX/XX/XXXX which isnt true. Also the account was written off. On a closed account they arent supposed to be accumulating interest or late payments since the account is closed. Under FCRA it is in Inaccurate and must be corrected or taken off my credit report. Also According to the IRS and debt over {$600.00} the company is supposed to send you a 1099-c which I havent gotten under the consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent outsourcing has failed several times to validate my debt. They illegally report to a credit bureau without any proof. I have sent multiple validation letters and received nothing back. I have proof of every letter sent with nothing being returned. When I file a complaint they say the debt was with another company that they are representing. I have not seen any proof. Show me a legal validated response. Show me my signature saying I owe. Show me how I came to the number I originally owed. Show me a contract I signed. You can sit here and give your false statements all you want but you have no proof. I want to see proof. FCRA has laws in which you need to abide. Show me a contact with my signature on it and if you cant then it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cann furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Actions request : I would like payment update as agreed, not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JTM Capital Management, LLC
State: CA
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:
While looking over my credit report I have 3 collection accounts as follows XXXX. XXXX account number # XXXX XXXX. XXXX XXXX account number # XXXX XXXX. XXXX Credit account number # XXXX I contacted the first XXXX XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX because they are the ones who own all THREE  of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to JTM Capital Management , LLC whom once again are not listed on my credit report. I called this company JTM and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.

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 2023-11-27
Company: EQUIFAX, INC.
State: AZ
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 filed a claim in regards to the Equifax data breach from XX/XX/XXXX to XX/XX/XXXX XXXX due to I have had time was spent making calls to Equifax trying typing and creating dispute letters and looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent calling Equifax Multiple times time was spent filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent standing in line at the post office. This happened around XX/XX/1920 I spent over 20 hours my loss was due to you know, notary vaccine, postage copies, my mileage, my time you know my long distance, my phone phone bill and I come up with about {$4000.00} in in a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
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:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: In progress
Consumer complaint received 2023-06-11
Company: Scratch Financial, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was offered to use XXXX XXXX to pay for an emergency veterinary visit. The amount was minimal, so when I tried to pay it off the next month, the system only allowed me to make a set payment of {$2.00} per month and to be paid with a credit card, not my debit card or checking account. I did this because I didn't have the patience or time to call customer service. I figured, how is this going to hurt my credit...? Finally, I decided to close the account once and for all, so I called customer service, and I felt the rep on the phone was stalling me and purposely did not want me to close the account. Now I think it is evident that this company deliberately wants to put derogatory occurrences, such as 'lates ' on my credit report to lower my score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.

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: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter XX/XX/2021 and Equifax nor XXXX  has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureau is reporting inaccurate information on TARGET/TD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-11-27
Company: EQUIFAX, INC.
State: MI
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 writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX  account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-05-15
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged {$1400.00} by a debt collector called Coast To Coast Financial solutions because of a debt history i have with a garbage utility. They told me that its been under my NAME since 2021. This is NOT true. I have proof its under a different name and it was recently changed without my authority. 

I do not live in the household and my name was used. I told the XXXX company to reverse the name because I am not responsible for this bill and they told me to contact collections. This is very frustrating to know that someone can authorize my name without my permission and live off a garbage bill for quite some time. Its very sad and I can not afford to pay this. 

I need help to get this removed. I do not live or own this house so this is unfair. I feel someone used my name without knowing. I am providing proof of a bill from last year under the name XXXX XXXX XXXX which is not my name.

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: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled up my credit report this afternoon to surprisingly see that NCA a/k/a National Credit Adjusters was reporting a collection on my credit reports since XX/XX/2020. NCA alleges that I owe them {$700.00}. I called them this afternoon to try to find out who they were and what they were trying to collect on. They told me they purchased the alleged debt The XXXX  XXXX XXXX  and that they mailed notice to the address that they received from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have never lived at that address and I do not know where the original creditor would have even got that address either. I asked how I could get this off of my credit report and the lady told me that they do not delete. This is unfair and I do plan to take this matter up in court as they have never contacted me and have been reporting inaccurate/unvalidated information on all three of my credit reports to the detriment of my credit history unbeknownst to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove 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 2019-06-25
Company: Waypoint Resource Group, LLC
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: Account status incorrect

Complaint:
On my XXXX Credit Report, a derogatory mark is listed for " Waypoint Resource Gr - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XXXX of XXXX. That seems particularly fraudulent and as if Waypoint is trying to get around the previous removal of the debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I sent written correspondence to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX ( address as identified on my Credit Report at that time ) disputing the debt and requesting verification of the debt. I additionally provided the company with an offer of resolution of the debt. In XX/XX/2023, I additionally submitted a dispute of the debt with XXXX. The company verified the debt with XXXX almost immediately, but the company has yet to respond to my dispute and request for verification of the debt owed or respond to my offer of resolution. I have requested all correspondence in writing and have received no correspondence from the company since my attempt to resolve this debt collection and dispute. The original creditor is attempting to collect on a charges that were created and established after the account was closed and the policy was cancelled. I am disputing the charges and dates of charges and requesting the company provide me with a detail and itemized listing of charges from the creditor and respond accordingly to my request for debt verification or delete the account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation