BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother XXXX accts XXXX and business acct card XXXX XXXX XXXX XXXX brother XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX my brother ) acct XXXX XXXX XXXX acct also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Assistance Available In The Wake Of Hurricane Chase I was contacted by Chase by phoe and letter informing me of the natural Disaster Recovery program where you can stop paying your mortage and must be 2 months behind and they would bring your loan up to date, XX/XX/2018 and throw the late mortgage on the back end, I have spoken to several Chase loan specialist who explained this to me more than one, so we are 2 months behind and I just found out that we are still 3 months behind and that program was not in effect or ever was, so now after spending XXXX on repairs since insurands only covers 4 % of Dwelling, from the hurricane on the house, we are 3 months behind and our credit is a joke. 

How can they offer a program that was never even in effect and never called or contacted me to tell me each month i called to make a payment they assured me they after XX/XX/XXXX we will be up to date i just paid our payment and we are still 3 months behind, and there is no such program. 

This is totally unfair and I felt they lied and misrepresented themselves. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.

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 2022-09-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
Experian 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 explanation
Consumer complaint received 2021-04-05
Company: AVANTE
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Avante bought this from a debt buyer after this was deleted from my account by another collection agency. They didn't provide a hipaa transcript and this was a hipaa violation and they deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019- two inquiries on my credit report that I did not do. 
1.XXXX XXXX 2.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 2023-03-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between a corporation and an individual the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. Please delete pursuant to the law mentioned in the above sentence all late payments, and/or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Unbeknownst to me, my wife bought a truck at a used car dealer 's tent sale and when she brought it home I questioned her actions and made her understand that she could not afford the truck or the loan payments. She is a XXXX elderly person with a multitude of ailments and takes an incredible amount of prescription medications which renders her XXXX  XXXX quite XXXX. 
I do not understand how she could get a loan of this magnitude when her only income is {$1000.00} a month and the monthly payments would be {$630.00}. 
We went back to the dealer and I asked them to take the truck back and cancel the contract. The tent manager told me " She owns the truck - deal with the bank '' I contacted a local branch of the bank and they told me there as nothing they could do, if there was an alternative she could do a voluntary repossession. The legal consequences of this are quite disturbing. 
I believe this contract is voidable as she did not have the XXXX XXXX to understand what was involved here.

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 2022-10-03
Company: Experian Information Solutions 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:
n 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. XXXX Account # 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 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. 

Account below 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 Due to the pandemic I was trying to feed my family and keep up with my bills.

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 2019-04-03
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I noticed a fraudulant charge to a company i do not know of : ( XXXX ) of {$4.00} on XX/XX/19 and again of {$92.00} on XX/XX/19. I filed disputes and XXXX XXXX refunded the {$4.00}, but refused to refund the {$92.00}! They are from same company. I was given the runaround, lied to, hung up on, and completely been ignored. I was put on hold for over 65 minutes twice. They are unprofessional to say the least. I am still waiting for the paperwork they supposedly sent me. I called the compang i found online with the name on my charges and the phone numbers arent working. I am XXXX and need every penny, but they took it from me. Please help me recover my funds and make sure they cant do this again. Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

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 2021-07-09
Company: EQUIFAX, 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:
The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX  has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: RI
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 have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems collection company phone XXXX just added to my credit report stating failed to pay bill in amount of {$780.00} Making my XXXX credit score dropping 41 points This charge from XXXX XXXX in amount of {$780.00} for blood work was processed by my medical Doctors office using my XXXX Part B That Covers total amount billed .. 
Don't know why im still getting billed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: IA
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 name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Investigation took more than 30 days

Complaint:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
Improper Reporting : I have sent multiple letters to each credit reporting agency, ( Equifax, XXXX, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] EQUIFAX : ( XXXX #. XXXX Reported Balance {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported Balance {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX  XXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX : XXXX XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) VIOLATIONS : 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.

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

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

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with HIPPA privacy laws. 

EQUIFAX, XXXX, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: IA
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 name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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