BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
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 is missing that should be on the report

Complaint:
REPORTING THE DATE OF LAST PAYMENT AS XX/XX/XXXX IS THE DATE THEY SOLD THE DEBT SO THAT DATE IS INACCURATE BECAUSE IT IS NOT THE DATE OF MY LAST PAYMENT WHICH MUST BE UPDATED TO XX/XX/XXXX NOT THE DATE IT WAS SOLD. 
THE DATE OF LAST ACTIVITY IS MISSING WHICH THEY WAS JUST SUED FOR THE DATE OF LAST ACTIVITY WILL BE THE DATE OF MY LAST PAYMENT DATE CLOSED IS MISSING THEY WAS SUED FOR THIS YOU CAN NOT BE LATE AFTER AN ACCOUNT WAS CLOSED AND CHARGED OFF THERE ARE NO SCHEDULED PAYMENTS ON A ACCOUNT THAT WAS VOLUNTARY REPOSSESSION SO WHY THE 11- 90 DAY LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.

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 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: PA
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 received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right 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. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, -XXXX XXXXXXXX account # XXXX Cancel Contract. Please provide the original contract or delete -XXXX XXXX XXXXXXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
XXXX Account # XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On XX/XX/XXXX, I booked a trip on XXXX. When I got my itinerary, I saw that they had changed my airlines. As soon as I saw the discrepancy, I started to try to contact all parties involved for up to three days, then on the fourth day, I filed a dispute with my credit card which is Capital One. They filed it, but they were told the tickets were non refundable. It would have been fine if I had booked this but I did not choose what I was given. The trip was not planned until XXXX, so it is not like I canceled at the last minute. Well both airlines refused the claim and told my credit card to tell me to just accept the flight credit. This is not acceptable since I did not choose these two airlines but neither airlines nor Capital One will listen. XXXX XXXX basically told me they have taken my money and will not let me fly and Capital One said that it is too bad. Now the Spirit airline is saying I have a flight credit, which I do not want because they dont even fly out of my area, but it has been a month and a half and I still have not gotten anyone to talk to. Capital One tells me that is too bad. The first flight money I lost was XXXX bucks and the one I trying to dispute with no luck is XXXX bucks. I do not think I should be stuck with this but the company will not do anything else, nor can I get anyone on the phone that knows what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good afternoon, I noticed that my personal information was sold to a third party company in order to collect a debt that I wasnt even aware of. Therefore your company violated my personal rights such as, Law 15 U.S. Code 1681s ( stats ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Etc.

15 U.S.C. 1692d ( stats ) A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of ID theft starting around XXXX  and I found out earlier this year. There are several accounts listed a XXXX  including an XXXX XXXX XXXX, XXXX XXXX XXXX, as well as a XXXX XXXX XXXX card that I did not open. I have a police report stating so and that is all I am required to provide them by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
XXXX  Account # XXXX ( 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I checked my consumer resport and I the consumer seen that there was accounts on my report that I did not give consent to be opened under my personal credit

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 2023-09-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of ID theft starting around 2018 and I found out earlier this year. There are several accounts listed a comenity including an express next card, XXXX XXXX XXXX  as well as a victoria 's secret card that I did not open. I have a police report stating so and that is all I am required to provide them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have mailed my FTC report with my police report and all of my personal documents to Experian over 3 times. The account has failed to be removed from my credit report. Their isnt even account number for this account and i know that has to be a violation because how is it even verified in the first place. On XX/XX/2014 for a {$1000.00} this account was fraudulently open. This negative account should not be on my report its effecting my life and hurting me from getting my family a home. I have read up on the FCRA and according to the law this account must be blocked in remove in 4 days. I have included a FTC report and a Identity theft affidavit with a copy of my license.

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 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My Capital One card Visa had a {$50.00} fee charged for reissuance of two tickets from XXXX at the request of XXXX XXXX when my husband made telephone inquiry. When I tried to dispute the pending charge at Capital One I was told I can not dispute a pending charge by automated answer. 

Next XXXX answered differently after my objection and stated it was from their contract ( one sentence buried in terms and conditions at the end ) .which only arrived with the tickets. Surprisingly, changes in two flights for two people by XXXX XXXX earlier did not bear these up to {$75.00} per person charges. These changes are for even a few minutes I find now from the web. I contacted Capital One today XX/XX/2023 and a man told me I agreed to the charges and could not dispute them. It took him possibly 60 seconds or less to conclude this by contacting XXXX. Capital One heard none of my facts. 

I believe that XXXX is running a scam and possibly targeting XXXX XXXX since it has so many XXXX customers who are more language challenged in some cases. I was not permitted to explain the facts I have mentioned here to Capital One ; Capital One being a major card for the promotion of travel with cash back for travel and favorable overseas purchasing terms might have listened to these facts and asked a few questions. Aggressive emails saying you face risks with your tickets if you do not reconfirm for a change of a few minutes are used to manipulate the customer into these exorbitant and unnecessary charges. 

I wanted Capital One to get me a new credit card number and I would even have paid my bill to get a new number to protect myself from this vendor. Capital One said that I could not get a new number because this is not fraud. I believe that there is a lot of intentional deceit of the customer in pressuring them to reconfirm an airline ticket for a few minutes ' change in a schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: VA
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:
To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the XXXX XXXX with my original signature, the name, address and telephone number of the XXXX, the full payment history of this account with all the payments made, and proof that they are authorized by the XXXX to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to XXXX and XXXX XXXX. A few months ago I paid off some older purchases that were coming up on the end of their promotional period ( or at least I thought I did ). However, when I went onto my account yesterday I found that I had several hefty finance charges. When I reached out to ask why, I was informed that they arbitrarily applied my payments ( over {$3400.00} ) to what they chose too and then hit me with {$800.00} worth of finance fees for the older purchases because the promotional time frame passed. At this point my entire outstanding balance consists of these fees. 

This is the automated response I received : " Please be informed that first, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. 
However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bridgecrest Acceptance Corporation
State: TX
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 Car got totaled out XX/XX/2023 and thru insurance of the other party. they pay XXXX plus at the value of the car at that time... i had another XXXX years to pay off the XXXX that i still old... .by them accepting the pay off at the time of the totaled car ... the interest on the car should have been adjusted right ... so they accept the payment at the time... the whole debt should have been pay in full... i would like this removed and my credit adjusted because they are saying i owe them money... when in fact if they accepted the payment the insurance compay offered... they should have cleared the debt ... .please look into the bad practice by this company...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX 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 2022-04-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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:
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary XXXX  AND XXXX  distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2020-11-25
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a portion of my check deposited into my Chime bank account. it shows on my employer end that the funds were deposited into my chime account on XX/XX/20. As of right now XX/XX/20 their systems are down and they are not able to access accounts and on my end they is showing no deposit into my account. I called customer service was waiting for over 45 minutes to talk to live person for them to tell me to call back in 30 minutes. It's a day before XXXX and going thru Covid is a hardship as is and for a company to treat them customers with no disregard is sinful

Company response to consumer: Closed with explanation