BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: LA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}

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 2021-03-10
Company: General Motors Financial Company, Inc.
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your XXXX to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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

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 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express, whom I hold four cards with, had a conversation with me. I asked them how to " raise my XXXX '' score. They told me to pay down my balances, and so I did, over {$3000.00} over a couple of days between on or about XXXX XXXX. The same day I brought my balances down, as they suggested, I received two letters from American Express stating they reduced my credit limit, which brought me right back to the same situation I was facing when I contacted them asking for advise on how to raise my score. I did as they said, and then they immediately reduced my credit limit to the amount it became when I paid all of that money to reduce the debt and to have available credit. They reduced the credit line to the exact amount I paid the cards down to. That put me in the same situation, so they didn't help my report, but after I took their advise and paid down the cards, they reduced my credit limit which in turn actually hurt my credit score, not help it. On the phone, they told me they " assessed my account '' ( which they themselves reported to all three bureaus an excellent payment history with not 1 single later payment ever reported to them, reports I obtained on XX/XX/XXXX ). They told me they based the reduction on a XX/XX/XXXX " assessment, '' but nowhere in the letter they dropped into my account does it say anything about XX/XX/XXXX or any assessment, only dated XX/XX/XXXX and only referencing that date. When I told them I was reporting this to you, they acted like it meant nothing whatsoever to do so. This company lied to me to bring down the amount, advised me falsely that by making the payments it would increase my score, then they immediately reduced my credit limit which now appears to the bureaus that I am still near my limit, which they placed me at after all the payments I made to reduce my debt to ratio cleared my bank ( when I made the successful payments ). The letters also state my credit score was the reason, which is not my credit score on any of my reports. To do this during the XXXX Wildfires ( I live on XXXX ) the day after I made the payments, but then to tell me this was an assessment from " XX/XX/XXXX '' that they didn't implement until XX/XX/XXXX, right after I made the payments they told me to make, is in absolute bad faith, and frankly, they lied. No where in their letters is there any mention of a XX/XX/XXXX date of re-assessing my account. I am stunned by the behavior of American Express, whose own reporting to all three bureaus, reported by them, show never have I had a late payment since the accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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.

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 2022-07-03
Company: Sezzle Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not own this this to Sezzle I have already paid in full they told me they would take it off and have not yet after six months please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I encountered an emergency XXXX XXXX while at an urgent care center. The urgent care nurse advised I need to go to the hospital, they called an Ambulance to take me to the hospital, which was XXXX XXXX in XXXX XXXX. 
After this incident I never received a bill from XXXX XXXX. My insurance company sent a statement that they had paid a bill to XXXX XXXX for {$550.00}. I thought it was taken care of. Months later I received a notice from Grant Mercantile Collections that XXXX XXXX was trying to collect an additional {$3000.00} and had now sent the bill to collections and is reporting on my credit report as an unpaid bill. 
I spoke with XXXX XXXX, they admitted that they had the wrong address on file when sending the bills. They would not offer to take a settlement payment. They said it was too late and to contact the collection agency they sold it to. The collection agency letter still has the wrong address on the letter as well. 
This practice is called balance billing, ambulance companies are taking advantage of a situation where they can bill above and beyond what insurance covers and there is no recourse. There are laws now preventing doctors from doing this, however ambulance companies are able to. Pending new law is moving through California legislature to outlaw this practice specifically for ambulance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
called XXXX XXXX customer service number to get help with a deposit my daughter sent me and it wasnt applied yet so i called for help. a guy got on stating he was XXXX XXXX  customer services and can help my get my money he just needed to verify some information. i am new to XXXX XXXX  and did not know their protocol. the guy had me download an app and he moved through the process to get my money to me. he had me transfer money to my daughter then had her send it back then he did some sunny teqnsfers and they failed then as i was entering things in my phone i got suspicious when i typed a letter and he corrected me and i said wait you can see what im doing on my phone and i disconnected the call. right away i contacted my bank and XXXX XXXX and was unable to get help from either place. both businesses told me that it shows i did these transactions and they closed my case and will not open it back up. this person called me a few more times to help me and i told him to stop calling and that i reported him he then texted me cursing at me and said well i still got your money. i blocked him from my phone but kept the text msgs i called my bank for help and they wouldnt help me they stated they tried to retrieve the money and couldnt and they have documents showing i did do these transactions. i tried to explain to them they i got scammed and this person got access to my phone and my information but they did not want to hear any of it and kept cutting me off at my words and kept stating the documents show i did. this scammer was smart and made it look like i sent myself bitcoin and my daughter bitcoin and i didnt. i dont even have a bitcoin acct. how can i get my money back and get this person to pay for what he did? i need help! please this person transferred XXXX twice documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. 

The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. 

I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. 

Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. 

I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. 

On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. 

They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. 

I would like for the fund to either be deposited to my brother 's account or returned to me. 

Since Capital one is the issuing bank they bear that responsibility. I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: WA
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:
Fraud ( ID Thieft ) FTC report # XXXX XXXX XXXX, my identity was stolen twice while in XXXX XXXX, XXXX XXXX incident was report to my bank XXXX XXXX  in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX reports were filed with both Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Have disputed this several times with Credit Reporting Agency each time they state the same - Current : Completed investigation of FCRA dispute - consumer disagrees. 
Foreclosure proceedings started. Previous : Foreclosure proceedings started. 
XX/XX/XXXX to XX/XX/XXXX. Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Other : Company has never called or written regarding this debt which is not mine and is reported to have happened same time as ID XXXX in XXXX. Have called company several times and have been on hold for up to 3 hours

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 2022-05-31
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-10-29
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I contacted Deville Asset regarding a collection account asking them to validate the account they are trying to collect for specifically requesting they send me the Calculation of Surplus or Deficiency. Deville did reply by sending the contract but did not send me the calculation of surplus or deficiency showing a breakdown of how they came to the amount they say is owed. After researching I found out they were suppose to include all this information in their reply within the 14 day time frame per federal UCC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
ON XX/XX/2023 DURING BUSINESS HOURS I TRANSFERED, {$2000.00} ( XXXX ) FROM MY XXXX XXXX ACCOUNT TO MY ARIZONA NATIONAL BANK  CHECKING ACCOUNT. 

AS OF XX/XX/2023 AT XXXX XXXXMST THE FUNDS HAVE STILL NOT SHOWN UP IN MY ARIZONA NATIONAL CHECKING ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SUNTRUST BANKS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pay my bills every month online. One month with this particular company i paid my bill online and got notice that they received the payment only to get notice 30 days later that they never received the payment and they were putting a 30 day late pay on my credit report. I notified them that the website assured me that i did! They told me that happens from time to time and apologized but they could not change the 30 day late from my credit report. What? I have attempted to get the late pay removed from my credit report thru the bureaus but had no success so i am reaching out to you. It is keeping me from getting the best interest rates, Please 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