BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wanted to report a case of attempted fraud by someone impersonating Capital One. They called from a number appearing to be from Captial one - a number published on their website. Saying to be from the Fraud department and demanding I review a zelle transition within 2 min or it would automatically fulfill. I eventually hung up and called the bank directly and they know nothing of it. 

I did not lose funds but felt I needed to report this instance. The request was from a XXXX XXXX XXXX. I don't know if there is a way to trace these people but felt the need to report. it was extremely upsetting to deal with this and more needs to be done to help consumers stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the 3 credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, Resurgent Capital Services, and XXXX XXXX XXXX claiming to represent LVNV in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Old information reappears or never goes away

Complaint:
Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. XXXX refuses to remove it even though XXXX  did. A tropical storm that happened in 2015 caused XXXX XXXX XXXX to remain on my credit profile which is causing me rental issues during pandemic. XXXX refuses to remove it even though XXXX  did. I am sick of making pointless disputes when XXXX seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: NV
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:
Hello, Transaction Company : JP Morgan Chase Transaction Amount : {$1400.00} Transaction Date : XX/XX/2020 I have been dealing with this fraudulent charge with Chase for the past couple of months and left hope. I called them N number of times until XXXX and got frustrated with their poor inefficiencies in the operations of the fradulent charges team. 

I had a charge stating " XXXX '' in my credit card statement for {$1400.00}. 
I identified this charge within a week. From then, I was contacting Chase and they haven't had any steps taken. All they say is " This is a XXXX verified purchase ''. 

Scammers and frauds verify purchases through their sources and cash out money which is an information given to me by one of my friends working in a nationalized bank in XXXX under the cybersecurity department. 

It is a shame for such a huge organization like Chase to have huge loopholes in their processes. I really wanted to hike up this issue and make it big. 

Customers life are at stake due to corporate blunders. 

Kindly take further action and help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: OH
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 Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was tenant at XXXX in XXXX XXXX  XXXX from XXXX, XX/XX/XXXX to XXXX, XX/XX/XXXX. I have tried multiple times to get this debt removed as I dont own this debt. The problem is that when XXXX was transferring management it happened to be the same month I was moving out ( XX/XX/XXXX ). I reached out multiple times to make sure there was nothing I needed to do and they said everything was good. On XX/XX/XXXX I had a impact to my credit and attempted to dispute they declined so I went to XXXX and advised I never had debt with them and everything was paid off. They advised I didn't put my 60 day notice but I had a email ti back me up they said they would look into it and get back with me. After the 2nd attempt with XXXX they were able to provide me a breakdown of the debt : past due rent, damages, and internet past due. I never once got any notification of this debt where I provided my forwarding address and email. It went straight to collections and is affecting my credit and preventing me from buying a home. When in fact I have always paid all my bills and taken good care of my credit. I tried to go to the XXXX and explain the situation where they would ignore me even tho I showed the proof of every payment and videos. The assistant manager had no other choice but to get the regional manager involved and would reach out to me. XXXX stated theres nothing we can do, that is what avion left. They in fact didn't reach out but when I called back they advised me regional manager said to contact the XXXX XXXX. I attempted them multiple times as well and nothing. I got confirmation from XXXX as well since they are my current providers that the balance was {$0.00} on there end as well. Below I attached certified mail, letters and bank statement to confirm everything I have tried. They need to remove this debt and stop having be go in circles with the same answer pointing fingers while I am being defamed and unable to purchase a home. I am mother and I work very hard not being able to purchase a home for my daughter and having to move back in with my parents has affected my mental health. Its really sad to see my credit being affected for something that is not true. The XXXX needs to be looked into because I am not the only person I attached other people that are having the same issues, I wouldn't be surprised if there are many more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: GOLDMAN SACHS BANK USA
State: MD
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:
In XXXX of XXXX, two pending charges ( credit pre-authorizations ) were placed against my Goldman Sachs ( Apple ) Mastercard. The purchases were never made from XXXX XXXX ( an XXXX XXXX XXXX XXXX XXXX placed in an on-line shopping basket ) and the pending changes have remained against my GS Mastercard account ever since, thereby decreasing my available credit line ( buying power ), since XX/XX/XXXX. I have called Goldman Sachs three times since XX/XX/XXXX ( hour long calls with several GS transfers where I had to recount the problem each time ) and have been told each time that the pending changes will be removed from the account and will be cleared on their end after 90 days or " two billing cycles ''. I have communicated with Goldman Sachs after each 90 day period and re-shared that the changes have not fallen off my account and that my credit line is still reduced by > {$1000.00} because the pending charges are still associated with the Mastercard account. Today ( XX/XX/XXXX ) I again called Goldman Sachs but included a representative from XXXX XXXX accounting/sales/disputes on the call ( 3-way call which was recorded by GS ). Apple confirmed on the call that there are no pending sales/charges from me since XX/XX/XXXX which should still be pending " installment '' charges or any other " unprocessed changes '' or financial holds. Apple further confirmed that in XX/XX/XXXX, I did indeed buy only one XXXX XXXX  but the second charge for an additional XXXX  XXXX and the third charge for XXXX XXXX  were purchases that were never made/completed. I am just sick and tired of Goldman saying they are going to fix/drop these pending charges for about 1 year and nothing happens. GS could not provide me with a dispute tracking number nor any other tracking or complaint number so that this matter may be documented since XX/XX/XXXX. 
This is not an Apple issue/problem and that is why I had a 3-way call with Goldman so all parties were able to state their position. This is a GS banking and poor accounting problem for consumer credit card accounts which GS just does not seem to be able to fix when I call their support representatives on the phone. Ideally a credit card pending charge is supposed to " fall-off '' an account in a reasonable timeframe ( 48 hours?, 30-60 days? ) but Goldman Sachs can not not get this done in > 11 months ... after several phone calls alerting GS to the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
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:
I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Incomm Holdings Inc.
State: HI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Incomm Vanilla Visa 's customer service agent XXXX, employee number XXXX, blocked my replacement gift card without my consent. I called in today, XX/XX/XXXX, to check on the status of my replacement card because I was quoted a seven to 10 business day delivery time frame for the replacement card. Today is the 11th business day. All I wanted her to do was check on the delivery status, but she went ahead and blocked/canceled the replacement card without my authorization. Now I am out XXXX USD for an additional two weeks and, in total, this makes it one whole month of waiting. Incomm owes me a {$500.00} Vanilla Visa gift card because I was initially sold a non-working card. This card did not work when swiped at any register. This is totally unacceptable, unprofessional and highly unethical to make me wait an extra two weeks for Incomm 's employee 's mistake. Incomm needs to train their employees much better. Customer service is extremely terrible and there is no way to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. 


I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. 

There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. 

I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.

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 monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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 unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Genesis FS Card Services, Inc.
State: IN
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Res - Shellpoint Mortgage services falsely reported delinquent payments to all 3 credit bureaus on XX/XX/2021. This is a recurring problem with this company. There accounting practices are flawed and none of their customer service agents have the ability to fix errors but just document the problem and the problem never gets fixed. Received letter dated XX/XX/2021 on XX/XX/2021 stating that I was passed due 17 days in the amount of {$19.00} when the check for the entire amount of the mortgage is shown as being cashed on XX/XX/2021. Online records show that my account is current. Phone records say last payment was received XX/XX/2021. Called into customer service and representative claimed my account was in good standing but would not provide information in writing nor would address issue with the report to the 3 credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation