BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union has taken more than 30 days to respond to an investigation request from XX/XX/2019.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-03
Company: EQUIFAX, INC.
State: VA
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:
My complaints involve several issues which I am describing here. 

1. The first time I disputed a report on my account, I was asked all verification questions by the customer service rep named XXXX or XXXX. After I have been fully verified, she took the information about my dispute with XXXX XXXX reporting me as current, but had a note that included that I am in forbearance agreement. Prior to the Cares Act, I had never been in forbearance agreement. 
I had brought my account current on XX/XX/2020 but the report still shows I am in forbearance. Ten days after the information was taken by XXXX, I received a letter yesterday telling me that I have to submit all sorts of information to verify. I does not provide an email so I can do it expeditiously, or at its secured message website. Although I understand about protecting my credit, etc. I was already fully verified by XXXX as noted before. Now, Equifax can not be contacted by phone, it goes around in circles and directs callers to its website. Its website does the same thing. After taking some information, it does not let you continue. In short, Equifax seems to be not taking any dispute because phone calls do now work, its website also does not allow you to complete filing a complaint. 
2. The second issue involves Equifax selling my credit information to third party inquirers that I have not contacted. Specifically, I see a hard inquiry from XXXX XXXX but it shows that it was Equifax Mortgage services that provided the information to XXXX XXXX. 3. Equifax still shows the filing by XXXX XXXX XXXX of debt that shows it is already paid. I do not understand why Equifax still shows it under debt collection when it has been paid more than a month before the last Equifax report of XX/XX/2020. 
4. Just a week ago, the website does not allow to complete filing a dispute. It also does not provide the credit report even though it states that it is providing free credit reports for a certain number and times and period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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:
The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant TransUnion, XXXX, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

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 2019-01-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I saw an an AMEX ( America Express ) ad targeted for me Earn XXXX Membership Points after spending {$2000.00} in 92 days After signing up the credit card and meeting the spending requirements, the sign up bonus is not issued. 
I contacted customer support and was then informed that my sign up bonus is declined. I am not aware of this situation until fulfilling the {$2000.00} spending requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.

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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I paid off my capital one Mastercard in XXXX of XXXX. On XX/XX/XXXX, I noticed a charge from XXXX for {$9.00} on my card. I called XXXX and they said my phone number was coming up in their system as someone elses name ( name Ive never heard before ). I told them they are charging my account without permission, as I have never used XXXX. They suspended the account pending a review and told me I would have to notify Capital One and dispute the charges to get my money back. I called Capital One on XX/XX/XXXX and they cancelled that card, and mailed me a new card, and credited my account for all the charges that went back 8 months to XXXX of XXXX. They said they were going to look into it. I received my new card in the mail on XX/XX/XXXX and went online to activate it and noticed all the XXXX  Charges were put back on my card the same day they were credited ( XX/XX/XXXX ). I called Capital One customer service and after 20 minutes of being transferred to 3 different departments and explaining my issue, I finally had someone tell me that Im outside the window for reporting the charges as fraudulent, and I have to call XXXX and deal with them directly. The Capital One ads and app all say they provide a fraud protection so you dont have to worry about paying for things in cases of fraud. Well this is fraud and it amounts to {$1800.00}. And they just stuck it to me and told me to figure it out. Since I already paid the balance off, there is nothing I can do to get a refund. Ive called XXXX and they are giving me the run around too. Seems like all the corporations got their money and Im stuck paying for the fraudulent activity. I told Capital One to close all my accounts immediately. After 20+ years of doing business with them and paying their high interest rates, they refuse to make things right over {$1800.00}. This proves that their fraud protection guaranty is as fraudulent as the fraudulent charges I was forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: LD Holdings Group, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam Loan Depot, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor Loan Depot to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Loan Depot, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting calls for a person XXXX XXXX for 1 month. The collector asked me for my social security number. The phone number they call from is XXXX. I was told last week they wouldnt call me anymore since I have no debt with them. I got another call this morning.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: CT
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my 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 2023-08-21
Company: Experian Information Solutions 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:
MY EXPERIAN CREDIT REPORT CONTINUES TO REPORT THE XXXX XXXX XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM EXPERIAN AND XXXX CREDIT REPORTING BUREAU 'S . DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!

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 2023-05-01
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 there were an excessive number of extra account activities posted to my account including nsf assessments then reversals which were added as additional deductions to the account rather than credits. The total removed from my account was {$45.00} plus more {$15.00} fees earlier in the month. The last four digits of my bank account for tracking payments have been removed from the account. There is no way to resolve the issue and someone has been accessing both my bank account and the account for the vehicle where the money is withdrawn, but it doesn't post to the car loan. There are also payments being posted that I have not made, identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been a customer with Avant for a number of years. I have had a total of 3 loans with Avant and never had an NSF fee. I have never had such horrible customer service. I moved a payment from the XX/XX/XXXX to the XX/XX/XXXX thru their online system. On XX/XX/XXXX a payment attempted to be withdrawn from my bank account. I have received a $ XXXXfee from my bank as well as a $ XXXXfee from you. I call XX/XX/XXXX and spoke with a customer service rep, a manager and a section manager. I simply requested for the $ XXXXfee to be removed. Their customer service representative said I could not, I spoke with a manager by the name of XXXX who said she could not waive the fee, then I spoke with a section manager by the name of XXXX who stated the same. While waiting to speak to the section manager XXXX came on the line and stated " I'm going to need you to stop judging me ''. As I did state they have provided horrible customer service. Now I did schedule the payment well ahead of time thru your online portal and I was told " oh you just scheduled an additional payment not move your current payment ''. I attempted to be responsible and do the right thing by Avant but was unsuccessful. This caused overdraft with my bank freezing my account which made a {$2000.00} deposit be denied on my account. Not one person from Avant called I only found out because my deposit was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, TransUnion , XXXX and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

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