BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: AK
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 never received any correspondent saying anything was late, missing, not received, or anything else of the sort from eitheXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. When I called XXXX they admitted and its recorded that they couldnt have sent me anything because the address that I provided ( was 100 % accurate ) was not the address that any of the correspondents were sent to. Upon checking my credit report as I do all throughout the months for inaccuracies, as I have ate XXXX noodles for weeks at a time to repair my credit to where it was before the erroneous errors occured. When I filled a dispute with Experian I had received not only an update but dispute close, and the account is accurate but that due diligence was done in less than 24 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 2022-04-23
Company: EQUIFAX, 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 information incorrect

Complaint:
Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached screenshots of Equifax credit report 's " Mortgage Accounts '' Screen. XXXX XXXX has removed mortgage account which is current. A copy of the current mortgage statement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One XXXX XXXX XXXX to Benefits states on page 11 Trip Cancellation/Interruption : In the event of the Insured Person 's Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/Trip Interruption Benefit Amount of {$1500.00} XXXX To file a claim on any of the offered services, Capital One directs its customers to call XXXX XXXX. 
I purchased a plane ticket under the assumption that I would be covered should I have a trip interruption. On XX/XX/XXXX, I XXXX XXXX XXXX and am unable to travel until XX/XX/XXXX as per XXXX XXXX XXXX I called the XXXX number on XX/XX/XXXX and was told that the stated benefit did not exist. I called Capital One who in turn call the XXXX number and was informed that the Trip Cancellation benefit did not exists in spite of their guide to benefits stating it had a benefit up to {$1500.00}. A " case '' was opened to investigate the problem. I received a call on XX/XX/XXXX and was transferred again to XXXX XXXX. Capital One will not refund the cost of my plane ticket as it is a benefit of XXXX XXXX not Capital One. However Capital One should be held responsible for their false Guide to Benefits advertisement on which I based my decision to purchase a plane ticket without personal insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Navient Solutions, 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:
I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the 2020 year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the Navient company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by Navient. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Navient has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX # XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account on XX/XX/21 transferred funds and then was requested to provided personal documents for verification of id, at which time I was informed to please wait while they verified. Other companies request this info before being able to transfer funds. Keep in mind this is asked AFTER transferring funds. The longest I've had to wait for other firms to verify is 12 hours. 
Since then I have not received any indication of status of my verification and any request through support is responded to by a generic email response. I tried withdrawing my funds but I am unable as they say my id must be verified. 
This seems like a big issue as there are many complaints on social media regarding their verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill from a car accident on XX/XX/XXXX. The debt was apart of an accident settlement and was paid by my attorney XXXX XXXX on XX/XX/XXXX in the sum of {$500.00} directly to XXXX care. Check # XXXX. The original debt was XXXX. Transworld systems is still attempting to collect the debt and reported it to credit bureaus. I spoke to them and gave them all the vital information and they still will not remove the negative item. They violated my HIPAA rights and the rights of me being represented by an attorney. I have the written proof that the debt was paid and they were repeatedly told that it was apart of a settlement and to stop calling me because I was represented by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurate it must be removed.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

CASE NO : # XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-04-23
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit Reporting act XXXX  Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation XXXX Letter sent to : XXXX XXXX  To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX  }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX  } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am having a problem with One specific employee named XXXX who is the branch manager. I fell behind in XX/XX/2023. I went online and made a payment date for my payment to come out. I was contacted by XXXX who deleted my payment due to her wanting to put it in the system herself. I ended up needing to change the payment date, XXXX informed me, I was not able to cancel my payment. The payment was still in time to be cancelled per the email. I challenged her and told her to cancel my payment because I wasnt going to be able to make the payment. The conversation didnt go well. She said I was hostile and that I should come into the office. I called back to discuss help with the account and she told me, I didnt qualify. I felt as if she was preventing me from help. I contacted other stores to get help and they transferred me back to XXXX. XXXX is doing things like deleting payments when the money is in the account, blocking my online account. I spoke with another employee XXXX, who was supposed to have regional manager contact me about my complaints. I have tried from XXXX to now to get help and Im always told No. I asked for this account to be transferred to another store so I can have professional services and assistance. This is my 3rd attempt for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: U.S. BANCORP
State: IL
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:
Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : Charge : Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.

Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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:
After looking over my credit report there were inquiries being reported on my credit report by Experian. 
1XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-11-22
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company reported an incorrect collections account on all three credit bureaus. I called them and requested they delete the entry and they agree that they would delete it but have not done so. I have the phone conversation with the company representative recorded and intend to present it in XXXX Civil court

Company response to consumer: Closed with explanation