BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XX/XX/23. I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Amsher Collection Services when I noticed this on my credit report. They said it had been sold to XXXX XXXX. This is fake debt and it is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account got restricted for the 2nd time in 2 months without explanations. 

these were the two last months before my annual fees were due.

When I called capital one on XX/XX/2020 at XXXX PST I have been transferred to 3 representatives who had put me on hold until the last one told me that I ll be put on hold for 5 minutes but never picked the line back after 20 minutes. i have waited a total of 90 minutes on the phone without even getting close of a resolution.

I also asked the first representative to get my annual fees refunded, but he told me that this was not possible since my account is restricted. So I couldn't get my annual fees refunded nor I can use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$540.00}.

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 explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: LA
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 sent a letter to DataX requesting my consumer report. When I received my DataX report, I noticed an incorrect address. I disputed this address with the company. The company replied they could not remove the inaccurate address because it was tied to an account. There is no account reporting on my DataX consumer report. I have attached the report. According to FCRA, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], they are to investigate and they have fail to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, XXXX correctly reported my credit card balance of {$180.00} to my credit card to all three credit bureaus ; however, on XX/XX/XXXX they decided to change the balance for the Equifax report to a balance of {$1500.00}. This balance was correct prior to XX/XX/XXXX when I made a significant payment to bring it down ; however, my statement closing date on this credit card is XX/XX/XXXX and such the balance should have reflected {$180.00}. I instantly disputed it with Equifax and my dispute results were ready on XXXX XXXX stating that XXXX says the {$1500.00} balance is correct. I then started to compile my proof and fill out and certify mail XXXX their own dispute form and my proof of their error. I then headed to the local bank on XXXX and XXXX XXXX XXXX XXXX I spoke with a teller that got on the phone with XXXX XXXX from the disputes department. I was hoping by going to the bank that I would at least be able to fax the form over to them to expedite the process ; however, XXXX stated that when I made my payment on XX/XX/XXXX that they are going with the balance previous to that date. That no mistake was made. I confronted the teller with the fact that they reported it correctly at first and that I have no issues with their reporting to XXXX and XXXX. I was told that those are different bureaus. I also told them that it isn't normal for XXXX to report on XX/XX/XXXX the correct amount and to change it a couple days later to a balance prior to XX/XX/XXXX when the balance should reflect the statement date. I was told to call XXXX XXXX myself at ( XXXX ) XXXX ext. XXXX. This number isn't a working number and because he was the one conveying the information to the teller and it didn't go well, I didn't see the point in trying any further. Not to mention that he works in the dispute department. I am entitled to a fair and accurate credit report. I am not asking for anything out of the ordinary ; however, I feel that XXXX is mocking me in their handling of this issue by trying to make this issue seem normal when it clearly isn't. I wouldn't be surprised if they change the reporting with the other two bureaus to make this seem completely fine. I am frustrated. I have a fantastic relationship with XXXX. I want to stay a customer of this credit union, but I need a solution and not tellers and bankers that refuse to see their errors and to just justify mistakes that cost me a chunk off my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-06-15
Company: TMX Finance LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Titlemax gave me a loan at a time where i was desperate im a XXXX veteran XXXX and was under the impression the interest would be about 42 % its really like 89 % for a XXXX loan to pay back was at like actually giving them over XXXX if paid according to there payment plan due to unforseen circumstances i can no longer pay almost XXXX month i called them in XXXX and told them i needed to surrender the car to them because they would not lower interest rate or call it even cause i have already paid over three times loan amount i think anyway it now end of XXXX and they still have yet to pick up vehicle im out of state and have no means or way to get it to them My question is was i taken advantage of and if so what should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, CITIZENS ONE add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Consumer Adjustment Company Incorporated
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report today and noticed a collection from Consumer Adjustment Company. I am not aware of this company or the debt that they say I owe. I also never received written verification or a dunning letter from this company, giving me the right to dispute before adding this collection to my credit report. Collectors are required by Fair Debt Collection Practices Act to send a written validation notice with information about the debt they are trying to collect. I have no idea what this debt is even about and until I receive debt validation, it needs to be removed from my credit report. Also, if this company is not licensed or registered in the State of Louisiana, they can not collect debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
PLEASE SEE THE ATTACHED AFFIANT AFFIDAVIT IN AFFIRMATION OF FACTS. I HAVE ALSO ATTACHED MY LICENSE AND SS CARD FRONT AND BACK SO TRANSUNION KNOWS THAT I AM THEIR CUSTOMER, THE CONSUMER SUBMITTING THIS COMPLAINT. 

Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAAF NOTICE ( Affiant Affidavit in Affirmation of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition. I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiants ownership, of affiants responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, foreverly demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!

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 2023-06-28
Company: EQUIFAX, 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:
I appreciate your time to correct some of the erroneous items in my credit file ; however, there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List 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, 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 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 non-monetary relief
Consumer complaint received 2020-12-18
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I had six unauthorized foreign transactions made using my Paypal MasterCard Debit Card. I filed disputes for all six transactions, as well as reported my card lost/stolen. On XX/XX/2020, I received emails from the Paypal dispute department stating that the disputes were denied and PayPal would remove the temporary credit refund of all the transactions because, in their words, " you stated that your card was lost or stolen in XX/XX/XXXX and [ these transactions ] occurred before that date ''. 

I reported my card stolen as soon as I discovered these transactions, and it was within the CFPB 's 48 hour limit to remove fraud liability. XX/XX/XXXX and XX/XX/XXXX are only a single day apart, after all. These are unauthorized transactions to foreign merchants that I have never heard of, and I should not be held liable for a single cent of the money that was stolen from my account.

Company response to consumer: Closed with monetary relief