BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Original Line of Credit as of XX/XX/XXXX went delinquent and charged off on XX/XX/XXXX. Account has resurfaced with a different loan number and different amounts but same original Date opened. XXXX XXXX XXXX XXXX. is falsely putting a new charge off date of XX/XX/XXXX when account was already charged off on XX/XX/XXXX clear evidence on the credit reports. Needs to be removed permanently off all credit reports. Please see rules on charge off dates to be removed permanently : No payment agreements ever made, ask for written documentation. 
According to Fair Credit Reporting Act ( FCRA ) Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 1/2 years. To determine when an account will be removed by the CRAs, Add 7 years to the date of the first delinquency. The date of the first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

A charge-off stays on your credit report for seven years after the date the account in question first went delinquent. ( If the charge-off first appears after six months of delinquency, it will remain on your credit report for six and a half years. 

I Contacted XXXX XXXX Bank XX/XX/XXXX, and disputed Credit reports with Equifax XX/XX/XXXX. No results. I contacted recently Arizona Attorney General on XX/XX/XXXX and XXXX XXXX Bank ignored them. They are sending 2nd requests again. 

Collection accounts can remain on your report for seven years and 180 days from the original delinquency. Original delinquency is XX/XX/XXXX and Charge off is XX/XX/XXXX not XX/XX/XXXX. Loan has been in recovery since XX/XX/XXXX. I have all documentations showing this charge off of XX/XX/XXXX on credit reports and its delinquency. 

XXXX XXXX XXXX XXXX XXXX said they can put what they want on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: PayTomorrow, LLC
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:
There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to covid and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the 150 dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had XXXX XXXX and there practices but worse..I was only in stage 1 ( lease agreement )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Numerous relatives received voicemail messages from XXXX asking for a XXXX XXXX ( my maiden name is XXXX ). On the voicemail message the person indicated a lawsuit was filed against me for a Capital One account and that they were taking government action. I called the # and let the man know that I have an attorney representing me for bankruptcy. He told me that it didn't matter and that I was going to have to pay. He then cursed at me when I repeated that I have an attorney and offered the information. The man put me on hold for almost 10 minutes. I hung up the phone and he called me back. He identified himself only as being with XXXX XXXX XXXX and gave a file number of XXXX. He proceeded to curse at me some more and told me good luck in court. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2023-07-01
Company: JPMORGAN CHASE & CO.
State: OR
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:
I mailed XXXX remittance coupons ( over the course of a few months ) and they kept my remittance coupons but did not credit my account. 

The first XXXX were sent to XXXX XXXX, XXXX. The XXXX office acknowledged having received them ; did not return them ; yet did not process them. The next XXXX were sent to the payments processing center ( XXXX different credit cards x 2 months ). 

The next XXXX were sent to XXXX XXXX, XXXX. I have the tracking numbers and XXXX receipt. Some of the ones sent to XXXX XXXX, XXXX were new remittance coupons ; while some were copies of previous ones he and/or the payments center ignored. 

That's XXXX breaches of contracts, as I am the agent of behalf of the principal and I instructed them to credit the principal 's account yet they failed to perform. 

I informed them ( the first few times ) that they must credit my account whether they accept my coupon or not because as per UCC 3-603 ( b ) when tender of payment is refused, there is discharge. Therefore, they are in violation of UCC 3-603 ( b ) XXXX times. 

They have already acquiesced to this violation 3 times, by not responding to my letters in which I told them, " Failure to respond via affidavit is acquiescence. '' In addition, they have already acquiesced 3 times to following : - Violation of US Code 1601 ( transparency in consumer credit transactions ) - 12 CFR 1002 ( Equal Credit Opportunity Act ) ; - Securities fraud ; and - Trust fraud I gave them ample time to respond, stating in no uncertain terms that failure to respond is acquiescence. I offered them opportunity to request an extension. Yet they neither responded nor requested an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Lending Club Corp
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this debt before with Sunrise Credit Services which has since been deleted from my credit report on XX/XX/2022 and closed however and for some reason they have placed it back on my credit report this year causing a negative impact to 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 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: SYNCHRONY FINANCIAL
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:
These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

Brandsmart-Sync/BRMART Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX- Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XX/XX/XXXX Account # XXXX ..... 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) {$120.00} XX/XX/XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) {$190.00} XX/XX/XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XX/XX/XXXX Account # XXXX US DEPT ED {$27000.00} XX/XX/XXXX Account # XXXX according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES. I HAVE A RIGHT TO PRIVACY. SECTION 2 ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION, AND UNDER 15 USC 1666B, A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. A creditor may not treat a payment on a credit card account or account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has 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. B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
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.

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 2021-06-17
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I, XXXX  XXXX XXXX XXXX XXXX XXXX, received a copy of my credit report from Equifax. I called and made a dispute on XX/XX/2021. I explained to the rep that the willful neglect of Equifax in furnishing data without my consent is a violation of my rights pursuant to 15 USC 1681b. ( a ) ( 2 ). I also, explained that their negligence is impeding my ability to get a new car, home and the ability to take care of my family. I, as the original creditor, do not validate any of the alleged debt being furnished on my consumer report. I also, understand that the balances being advertised on my report are inaccurate because each account represents a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges which makes these alleged balances fraudulent and inaccurate. I also explained to the rep that if this can not be taken care of in a timely and efficient manner then I will be forced to pursue legal action and invoice for each individual action pursuant to 15 USC 1681n. Furnishing these things are a violation of my consumer right to privacy. These consumer credit transactions shouldn't have been furnished to begin with pursuant to 15 USC 1681a. ( 2 ) ( A ) ( i ).

Company response to consumer: Closed with explanation