BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The interest rate was crazily increased to 11 %. I don't have control of the co-signer 's credit score.  Therefore, I want to remove the co-signer. I sent a request to Navient to remove the co-signer but my request was rejected by Navient. Navient stated that I did not make a minimum 12 payments and I did not submit proof of income. See attachments. I counted more than 12 payments and sent a recent " pay stub ''. See attached invoice, I operate my own business overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a laptop charger on XXXX and it became defective shortly after purchase, heating up, not charging, heating up my computer, black goop leaking out of the electrical connection. I requested a refund from seller on XXXX who continued to insist to send a replacement. The seller removed the listing right after I requested a refund. 
XXXX blocked the refund and said it was too late although it wasn't. It was the last day to request. 

I contacted Capital One who received my complaint. They removed the entire credit charge for two items on that date rather than the discussed amount of just this one item. 
They then sent a letter stating the seller disputed. It was the other seller. 
They then charged me the amount back on my card for both purchases. 
Again, I contacted Capital One on the phone ( they refuse to allow written messages ). 
They sent me an encrypted email to upload all communication with seller and photos. 
I uploaded multiple times and site kept crashing. I finally succeeded to upload all documentation including screenshot of site issue. 

I received a letter yesterday XX/XX/23 that Capital One has decided that I should work with the seller and refused to honor that XXXX approximate refund for defective product. 

Capital One is charging 28.75 % interest rates. I am reporting them to AG office as well. 
They are not abiding by their credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: MD
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:
XXXX  and Equifax mortgage services seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in   XXXX   and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized quicken to pull our credit report one time. Shortly after contacting quicken, we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED. I t 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s  ), that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers credit score  XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and Equifax mortgage services ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection, FTC and US  attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX,   and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX  called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: NJ
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 disagree with the last complaint they did not address the issue. XXXX XXXX has Not been reporting accurately to Equifax credit bureau.XXXX XXXX state theres a block from XXXX which is a different company from Equifax. XXXX as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.Equifax says they can not change anything on my consumer report unless XXXX XXXX update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to continue to report inaccurate information sec 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: AR
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:
In XX/XX/2018 I disputed an inaccurate account with Equifax. In XX/XX/2018 Equifax responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX   account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX and XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report. My address is XXXX XXXX XXXX XXXX XXXX AR, XXXX and I have sent in my id to confirm my address. you must remove these account this account isn't verified accurate with the address from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: JPMORGAN CHASE & CO.
State: NM
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:
On the most recent statement I received on my Southwest Rapid Rewards card, there is a XX/XX/2019 transaction in which I paid a landlord in Euro 's. I was charged an exchange rate of {$1.00}. On or about XX/XX/XXXX I checked to find the official exchange rate between Euros and Dollars. It was {$1.00}. That is a difference of {$0.00} for each dollar. That seems to me to be exorbitant. I inquired with Chase Bank and was unable to receive a satisfactory explanation for why such a discrepancy and who is getting the XXXX cents on each dollar and how is that expense justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Global Processing Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I keep getting calls and texts from Global Processing Services stating I have an unpaid loan which is not the case. Even if I had an old loan I just completed XXXX XXXX in XXXX and the debt would be invalid. Refused to provide names, they refused to provide debt validation and hung up when I mention it or tell them they are violating Federal laws regarding bankruptcy as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX continues to email and call about a debt they CAN NOT collect. This is causing me so much stress. The Department of Education transferred the loan to XXXX to service therefore they are NOT the original holder in due course and can not collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX EXPERIAN sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EXPERIAN the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EXPERIAN is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. EXPERIAN is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-06-16
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief