BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2022-02-06
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 status incorrect

Complaint:
In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, Equifax, and XXXX XXXX indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, Equifax, and XXXX XXXX. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, Equifax, and XXXX XXXX to immediately delete the inaccurate information from my records! 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got 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 explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: In progress
Consumer complaint received 2023-12-07
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:
I have reached out to the following account below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will correct the credit report accordingly and change the balance to zero, however, as I reviewed my recent report, the balance remains unchanged. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. 
Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. 
So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. 
But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. 
XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. 
My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. 
I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2021-06-03
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently had a very frustrating and extremely damaging experience with XXXX XXXX  Credit Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX  that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several 800 numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, XXXX and experian } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Genesis FS Card Services, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a statement in the mail at the beginning of XX/XX/2023. It has annual fee charges and credit protection fees. I did not open this credit card. On XX/XX/2023 my wife contacted the number on the statement to let them know this account was opened fraudulently. They indicated she needed to give them my social security number to even speak on the account. This is not a practice she felt comfortable with given it is fraudulent in the first place. I received another statement adding credit protection fees and interest to the previous statement balance. I have never used this card. I do not have a physical card. It was not opened by me. I am submitting a written notification as instructed on the back of the statement and sending it certified mail to Genesis FS Card service within the next 2 days stating this account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I havent heard anything back from Bridgecrest I asked to speak to a supervisor and I was left on hold the vehicle just got out of the shop I wasnt able to make it to work because of the up and down with payment for the repairs for XXXX $ I had to pay XXXX $ because of this matter I lost my job because the job was a hour 1 1/2 away from home and I couldnt make it into to work because we didnt know when the repairs were going to be pay for by XXXX  XXXX. I was trying to get in touch with Bridgecrest to see if we could set up a payment agreement and arrangements to pay car note While I attend my job placement classes I attend with welfare department I applied for public assistance which is only XXXX $ twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx 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 2022-07-08
Company: Experian Information Solutions 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:
This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!! 

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual. 

With this complaint is the confirmation that you received my correspondence via mail.

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 2022-02-07
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My cash app debit card was access by a scammer for {$1200.00} dollars on XX/XX/2022 cash app. Said they would look into they was aware of their system was compromised and they completely ignored my complaint they never contacted me as they said they would after investigating ( i stop payment ... reported scam 5 minutes soon as i seen a lower balance they was rude. And carless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In 2020 during the pandemic I accrued three late payments on my Capital One Silver credit card. They offered a program that allowed customers to push back payments due to financial hardship with no penalty at the time. I applied for the program. I was told I did not submit paperwork and three months past due payments showed up on my credit report as result. 
I've had this card for over 7 years with NO late payments. I've been a great Capital One customer for years. 
I wrote several letters to Capital One requesting them to send letters to the credit bureaus to retract the three months of late payments as I submitted to be enrolled in their program. After several letters Capital One has not removed the late payments. It truly unfair how I was treated in this matter, my credit was damaged and my ability to access credit was hurt. This prohibited me from having access to loans and homeownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have disputed a billing error to Capital One Auto Finance for the past XXXX months and they continue to give me the run around. After executing my XXXX right laws ( creditor ) Capital One Auto Finance have violated every right I have been holding up. They have reported late payments to the credit agency which is against my consumer rights according to 15 U.S.Code 1681a ( 2 ) ( a ) ( 1 ) XXXX Capital One Auto Finance sent me a letter dated XX/XX/2023 stating they are accelerating my contract and that I now owe the total amount {$21000.00} stating I defaulted on a contract that is still being disputed according to the XXXX Codes. Which is another violation 15 U.S Code 1692 ( g ) ADVERSE ACTION against me the consumer. 

This is Unfair Billing under the Truth and Lending Act, since I know the full amount was already paid for, why is this company allowed to XXXX me of my rights. 

CFPB if this dispute is closed without further actions like the once before, you are at fault for not holding up the laws you have made oaths by.

Company response to consumer: Closed with explanation