BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-06-06
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I owe XXXX XXXX XXXXXXXX  a balance of {$2500.00} dollars as of 2021. I have been notified that I am going to lose my job in the near future as a result of a company merger. I have tried to enroll in other schools to become trained in another skill before I lose my job. I called the XXXX XXXX XXXX  to obtain my transcripts and they are withholding them from me. The other schools will not accept unofficial copies of transcripts. I have tried to set up a payment plan with XXXX and ask that they go ahead and release my transcripts and they are refusing to do that as well. I am stuck in a terrible situation. I am getting ready to be unemployed and am unable to further my skills because XXXX will not work with me so I can obtain my transcripts. I do not deny owing the debt and fully intend to repay if I can make payments within my budget. However, they are keeping me from avoiding unemployment by not releasing my transcripts. I do not even want them forwarded to me personally, I just asked that they go to another school and XXXX still will not agree to do so. I tried to complete an official withdraw with XXXX too avoid incurring the debt and was told it was too late to do so. I tried to avoid this situation, my XXXX XXXX XXXX brother was very sick with XXXX at that time and I could not focus on my studies. I had to help my Mother with him at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-06-17
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
Was on a reduced interest plan due to over extension in regards to bills, which appears to have expired in XX/XX/2019 with not written or phone communication informing us the plan was or had ended. I call in on XX/XX/2019 to speak with personal finance to apply for assistance again. My financial information was taken income/expenses over the phone, for an interest rate reduction. I was informed that I would hear something bad within a few days. On XX/XX/XXXX, I call back into Navy Federal and was informed there was no record of the conversation, and was transferred to someone to resubmit my financial. 

Please note that all payments were automatic electronically payments on the 1st & 15th of every month. I have been making the payment in good faith since the approval of the plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Afterpay declined the transaction and when asked about it, this is what they said " In order to shop in-store using the Afterpay Card, upon set-up, customers may be required to undergo eligibility checks.

Afterpay takes a number of factors into consideration when deciding on whether we can offer you the Afterpay Card. These factors include how long youve been a customer for, your repayment and credit history, as well as ID verification status. 

As we have not been able to successfully complete these checks, you are unable to shop in-store. '' Very vague and not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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, has violated my rights. 

15 USC 1681 Srction 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Giggle Finance Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, I am writing to file a formal complaint against Giggle Finance, a company that markets a financial product that is misleading and deceptive. The product in question is marketed as a loan, but in reality, it is not a loan at all. Instead, it is a purchase of future revenue from the borrower 's business earnings. This deceptive marketing practice is both illegal and unethical, and it puts vulnerable borrowers at risk.

Giggle Finance 's website repeatedly markets the product as a loan, even though the contract explicitly rejects the notion that it is a loan. This is a clear case of false advertising, as it misleads potential borrowers into thinking they are getting a loan when they are not. The website also fraudulently promises that borrowers ( who are actually " sellers '' of their future revenue ) have " extreme '' flexibility with repayments and can repay their " loans '' at their own pace. However, the fine print in the contract requires them to pay a required amount weekly, which is far from flexible. 

This deceptive marketing practice puts vulnerable borrowers at risk of financial ruin. Many people who take out loans are already struggling financially, and they may not fully understand the terms and conditions of the loan they are taking out. By misrepresenting the product as a loan, Giggle Finance is taking advantage of these vulnerable borrowers and putting them in a worse financial situation. 

Therefore, I urge the CFPB to investigate Giggle Finance 's marketing practices and take appropriate action against the company. This kind of misleading and deceptive marketing is both illegal and unethical, and it should not be tolerated. 

Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Credit One LLC
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This loan was taken out in XXXX. I lost my job and could not pay it has been on my credit for over nine ( 9 ) year. I disputed the loan with the original creditor Marine Financial after XXXX years the company sold it to a collection agency XXXX XXXX XXXX who is now saying that this was open in XXXX, which is not true! this was open in XXXX. I do not owe this collection agency any money they have nothing with my signature stating that I borrowed any money from them. This was removed from my XXXX but remains on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Bread Financial Holdings, Inc.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have not received a statement ( either via email or mail ) from Comenity Capital Bank XXXX XXXX XXXX since they became my credit card servicing company sometime around XXXX or XXXX ( formerly XXXX ). 

I have attached a screenshot of their portal which was taken on XXXX XXXX. showing no statements are available. Despite this - the company has continued to post finance and late fees, which is illegal. The only information I've received from the company is " they've forwarded it to the right department '' and as of today there are still no statements available and fees are still showing on the account. 

The reason I want to see the statements in detail is because their online portal shows I owe a balance but my bank is showing that the check to cover the previous month statement was cashed and there is no activity ( as we stopped using this card due to the numerous problems we've had ). So I have no idea if there is system is just broken, there is some charge they are claiming was made or if this is just outright fraud. 

Based on some quick research it seems a lot of people have had a similar issue with this bank ( especially those of us coming from the XXXX XXXX XXXX XXXX ). So I am sure there are many others who are being taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per the attached correspondence I received directly from US Bank, XXXX XXXX is the " Investor '' who invested into anything to incur a loss. 
XXXX XXXX is the party I should be corresponding with about any type of " loss. '' Investor : An investor is an individual ( or entity ) that takes a risk in order to realize future benefits. Such benefits are referred to as the " return '' on investment. 
What Is an Investor? 
An investor is any person or other entity ( such as a firm or mutual fund ) who commits capital with the expectation of receiving financial returns.

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 2023-05-23
Company: EQUIFAX, INC.
State: CA
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 letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2022-07-06
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 the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Yesterday, XX/XX/2020, I phoned my credit card, Capital One to ask about a fee. I have 2 cards with them, and I inherited money, and paid them both off. In fact, I have a credit on one, of over {$150.00}. The other card had a balance due of {$29.00}, and {$23.00} was a fee. The card people, and I called 2 times and spoke to 2 representatives, would not not me pay the {$29.00} with the other credit card. They would not dismiss the fee and they would not close my card unless I signed an agreement. I am deaf and low visioned, which I told each rep. One rep wanted to read the the conditions, I said I could not rely upon my hearing for a legal document read over the phone. She said she could not close my account. I called again, and got the same thing, only this rep directed me to the same online written agreement, which I read and said I did not agree to all of the agreement. She said she could not close my account. I was able to close one account, as it had a credit balance. They demanded I pay the {$29.00}, so I paid it with my personal checking account. They told me they would be charging my account {$23.00} again for the next billing period. The also allowed a company to auto bill me, when I never had a service with them. I had lost my wallet, and reported it immediately and had them LOCK MY CARD. I had not unlocked my card until I got my new card, but they did allow this company to auto charge to my new number. They said they can do this without my permission. Needless to say, many errors, each alarming. They go their money, I am sure they plan to take more next month, as they will not close my account. I want to close my account, and not have to sign a contract with conditions I do not agree with, and is not relevant to closing an account. They also threatened me that I could never have a card with them again. Not doubt they will also impact my credit rating in some way. Thank you for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXXXXXX XXXX agreed to a settlement & to remove negative info off of credit reports.

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 2022-12-31
Company: Resurgent Capital Services L.P.
State: FL
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:
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 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report 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