BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
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: Account status incorrect

Complaint:
The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern, The IRS approved the 1099A for car loan on XX/XX/2023. Mailed on XX/XX/2023. Requested a copy of the Copy B For Cancellation of Debt via Certified mail XX/XX/2023. 
My account has not been updated to XXXX Balance as of today XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Google Compare Credit Cards Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone purchased XXXX XXXX XXXX with my card at Google pay and when this was done it put my account in over draft and I have to pay a XXXX dollar over draft fee that I need for medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}

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 2023-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am trying to get a place to live and XXXX XXXX with Transunion continues to decline my application. When I call them I am asked Verification questions and they always claim I failed. I was told if I fail again I will have to wait another 30 days. I don't know what to do and begging for help.

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 2020-04-16
Company: Resurgent Capital Services L.P.
State: RI
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:
In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov  and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXG XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX 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 an 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 2023-07-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. 
Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. 
On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Westcreek Financial
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I got a loan from them, I asked for 90 days of interest-free. I told them okay and provided my bank account. The company didn't take money from the account ; let it pass 90 days and start to charge by month {$220.00} twice a month. Eleven months ' payment of {$4900.00} has been paid, still a balance of {$2000.00}. Now they are telling me I have to sign the lease original amount is only {$2300.00}. I don't know why they charge me this much money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: WESBANCO BANK, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I attempted to make a payment via the bill pay system. A new screen with the following language appeared : " We may use a secure, single-use bank card to make this payment. 

By completing this transaction, you hereby authorize us to process a one-time electronic debit from the account you provided, for each payment listed. The funds will be used to pay your bill ( s ) per your instructions given. If you have any questions regarding your payment or wish to revoke this authorization prior to the payment being processed, please contact Customer Service. Once processed, payment ( s ) can not be canceled or modified. Payments made after the cutoff on a business day will be processed the next business day. We recommend that you print/save a copy of this authorization for your records. Click Confirm to complete or Cancel to terminate the payment process. '' I could not submit a payment without consenting to these terms which seem confusing and far reaching. I immediately contacted the bank and asked the following questions : 1 ) Will customers know in advance if the single-use bank card payment option will be used? The clarity of the type of payment ( ie, check, electronic, single-use bank card, etc. ) being used in advance allows the customer to make an informed decision. 
2 ) Will the card recipient be able to contact the bank card issuer to request a check and/or transfer bank card funds to a bank account without incurring any fees?

3 ) What fees, if any, are charged for using this card and/or maintaining a balance on the card? 

I would like CFPB to help me get answers to these questions as well as review the legality of making such a change to bill pay without specific terms being shared with existing customers. 

I have contacted several people that receive regular payments from me via bill pay that have said they would not be willing to accept funds via a single-use bank card instead of a check or electronic payment. 

I want to know what rights I have to refuse the issuance of a single-use bank card on my behalf, especially without advance notice and the actual TYPE of payment displayed at the time of the bill pay transaction is CHECK or ELECTRONIC and not SINGLE-USE BANK CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-04-15
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
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 RECEIVE MY CREDIT REPORT AND NOTICE A ITEM THAT I DIDN'T RECOGNIZED..IT WAS MERCHANT ADJUSTMENT SERVICE THAT IS TAKING MY INFORMATION AND SHARING IT WITH OTHERS.IT VIOLATES THE HIPPA LAW PLUS I REQUESTED THAT THEY VERIFY THE ACCOUNT IN QUESTION.I HAVE A COPY OF THE LETTER ATTACHED ASKING THEM SOME VALUABLE INFORMATION BECAUSE ITS CAUSING ME GRIEF DURING THIS TIME OF SUFFERING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX # XXXX and XXXX XXXX XXXX # XXXX, have violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I called Equifax multiple times to let them that they have the wrong name on record. They have XXXX XXXX XXXX XXXX I sent the documents multiple times to remove XXXX as it is not considered a legal name. The record was corrected 7 years ago and then they added XXXX back the record.Also they sent me a credit report shows that removed the 8 credit inquires from XXXX but you go online they still reflect. I dont feel comfortable dealing with people in XXXX XXXX my personal information this is the reason we had issues with data breaches and it violates the United States security for fellow Americans.Everytime I call Equifax I ask to speak to a Supervisor or transfer to a United States customer service they refuse.

Company response to consumer: Closed with non-monetary relief