BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account XXXX : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
Experian are continuing to be negligent with reporting information on my consumer report XXXX, XXXX XXXX XXXX, natural person, consumer, did not consent to, benefit from, nor authorize the reporting of the following accounts : XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX {$680.00} - ACCOUNT # XXXX, {$740.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX - ACCOUNT # 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 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
During the Covid shutdown I called capital one to explain my hardship of not working. They agreed to forgive my payment in XXXX but moved the payment to XXXX. So I had to make XXXX and XXXX payment. In XXXX I had to make XXXX, XXXX and XXXX payment and so on. I could not afford that kind of money since I had no monthly income. I did not get unemployment. As a result, they charged off my account and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 at XXXX XXXX, I received an email correspondence from Williams and Fudge regarding a debt they are attempting to collect. I informed the aforesaid company that I did not attend this school, and that any correspondence should occur via the address they have on file. My reply was sent on XX/XX/2021 at XXXX XXXX. 

Since this encounter, I have received no further communication from Williams and Fudge. I have not received any information validating this debt. However, they have managed to report this unsubstantiated and unverified account to the credit reporting agencies in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX 
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment. 

Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 XXXX22 I noticed an alert from my XXXX app stating that someone applied for a Capital One Card of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX FI-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00}

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 explanation
Consumer complaint received 2022-09-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX  has an Apple credit card from Goldman Sachs and he has a banking app on his phone where he can view transactions and make payments. He mainly got this card so that he could make installments on Apple products. However, he can also buy things outside of Apple, but they are subject to high interest. He sometimes uses a desktop web browser to access his account online. We noticed that on the web account, the total balance is shown, but the individual day-to-day transactions ( that we can see through his phone app ) are not shown and only appear the next month, AFTER the monthly statement is generated. We think ALL transactions ( pending and charged ) should clearly appear in the online account and match that of the app for transparency and better financial management. The missing info in the web-browser version makes it difficult to differentiate between the Apple installment XXXX versus regular XXXX purchases as only the total balance is shown. The user interface for both the app and browser versions are not intuitive and almost seem to be designed to confuse the consumer on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ( XXXX ) sent XXXX dollars ( {$75.00} ) to my friend ( XXXX ) on Monday XX/XX/2020. I have sent 11 emails back and forth trying to get it resolved. I have followed all of their suggestions but it turns into a loop of unhelpful support. 

They said if I provided proof that my friend ( XXXX ) can not access the account then they could refund me. When i provided proof, they said they are unable to help and that i need to request a refund ( I had already requested a refund, thats how the emails started ). I told them i already requested a refund and they told me they are unable to help. 

She has not had access to this account, therefore has not accepted the funds and can not be considered a completed payment. Per section 7 of their Terms and Service Agreement " P2P Payments not claimed by a Recipient for fifteen ( 15 ) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law. '' They have not confirmed the funds will be returned to me after 15 days and I've asked multiple times. Nor have they provided any solution using other reasonable means to return my payment to me, as permitted by applicable law She has also given them permission to move the funds ( to her active account or back to me ). Per Section 8 of their Terms and Service Agreement " If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment. '' But they wont do anything to help. My money is in limbo and its just a matter of not being scammed at this point. i HATE this company and will not do business with them ever again. 

Ive attached both mine ( XXXX ) and my friends ( XXXX ) email conversations with support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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 status incorrect

Complaint:
I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from 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 2018-04-11
Company: Army and Air Force Exchange Service
State: LA
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:
XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.

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 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 7th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-31
Company: First Federal Credit Control, 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 status incorrect

Complaint:
This account {$1200.00} company First Fede, unknown, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) was removed from my account from XXXX. Please remove this information from my credit reports. The dispute results are attach to this email for your reference. Thank you.

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