BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: AL
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a couch from a local furniture store in XX/XX/XXXX. The terms were 5 yrs, no interest, min payment $ XXXX. My payment is due on the XXXX. I have made payments every month, exceeding the min payment amount wanting to pay it off as soon as possible. On statement XX/XX/XXXX I noticed a {$25.00} late fee. It is my fault I did not call at that time. On my statement for XX/XX/XXXX I have a {$38.00} late fee plus interest. I called Wednesday XX/XX/XXXX and was told because my payment for XXXX was received before the statement print date, it was applied as a second payment for XXXX. This made my payment made in XXXX and XXXX late! My payment was received on XX/XX/XXXX and the statement printed on XX/XX/XXXX. Furthermore, during the billing cycle of XXXX it posted a payment XX/XX/XXXX which negates the theory of payments received during billing cycles Printed on my monthly statement : Reminder : Your credit card account may not be paid ahead to avoid making payments in future billing periods. You may pay more than the Minimum Payment Due at any time. However, to avoid late fees and delinquency we must receive at least the Minimum Payment Due ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is zero. 
This mentions *NOTHING* about receiving payments before the statement prints not counting as your monthly payment. I view this as a deceptive practice to gain income from late fees. 

When I called I was told nothing could be done. I asked for the late fees and interest to be waived and my payments corrected, as I made my payments on time. I get paid on the XXXX & XXXX. I had been making my payments with XXXX check and as of XXXX with XXXX. I asked for manager, and was again told nothing could be done even though he agreed I had not missed a payment. Waited for an escalation call back. I was told it would be 1-2 business days. It is now XX/XX/XXXX XXXX ( central ) and I have not received a call back

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX i sent ceryified letters to all XXXX  credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent XXXX more certified letters to all XXXX  credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you

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 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Capital One credit card account was removed from credit file back in XXXX of XXXX in error. Capitol One has reinserted the account to all three credit bureaus XXXX XXXX and XXXX is the only credit file that my account is not reporting to. This continues to go back and forth Capital One says contact XXXX XXXX says contact Capital One credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I set a payment plan with XXXX XXXX on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for

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 2023-10-09
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I try to use the ATM machine and I tried to withdraw XXXX $ and XXXX because the machine goes by XXXX and it went through but no funds came out it did not give me nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX from Capital One stated that I have 54 day to make account good. After I deposited money in the account that was overdrawn by 53 days. AFTER I made the deposit Capital One violated my credit rights by stating that my account was charged off but it was not charged off until after I made the deposit and capital one cleared the funds. They have reported my account uncollectable. They even credited the moneyback to my account which mean they are in possession of the funds. This appears as if I did not pay but I did. The typical time frame for a charge off is 60 days. 


XXXX told me that it is federal law that they shut the account down in 54 days. I asked him for the information in writing he stated he could not provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We were scammed for XXXX trying to purchase a puppy. XXXX I received a message asking if I was still interested in the XXXX XXXX XXXX, I said yes and I asked how much and where were they located and asked if this was for real and not a scam. He said it is 100 % real and the website looked completely real. ( XXXX ) ph # XXXX, XXXX Transaction # XXXX We went back and forth XXXX for dog and XXXX for shipping Total {$800.00}, we paid XXXX then would pay XXXX when received the puppy the following day. The next day I received an extensive email from XXXX Stating that in order to ship the puppy we have to pay {$1000.00} 100 % refundable insurance fee to cover the puppy and that when we received the puppy they would refund the money and I called the owner or pretend owner and he said yes this is legit and that he has used this company several times and they can be trusted. I told them all I could do would be by credit card. When I called to pay the person said when they ran my card it wouldnt go thru and that they were having issues with the card scanner and asked if we could XXXX it. I told them I dont have that type of cash and I told the owner that and he told me he would email them and asked if we could do {$400.00} XXXX and XXXX out the rest {$600.00}. So I XXXX them XXXX. 
XXXX Name : XXXX XXXX XXXX Transaction # XXXX After I sent it then they started immediately sending emails asking to send remaining and I kept telling them all I had was a credit card and then they sent a long email in detail how to go about using my credit card and turning it into bitcoins and to pay that way or go get a gift card. Thats when I realized it was a scam and I told them I dont feel comfortable with this and I wont be using theiXXXX XXXX I would like my money back and I never heard back from them. I then contacted the owner and told him and he said that it was basically my fault for doing as they asked and that I had better pay or ask friends to help me and XXXX the money if I wanted to see the puppy. I did call my bank right away they said it went through and there was nothing they could do for me as far as getting anything back and they would file a claim. But I more than likely would not get my money back. I then called XXXX and explained to them and they put in claim as well but could do nothing about the money we lost the most they could do is take them off of XXXX after an investigation. I did call our local police department and filed a report as well # XXXX with officer XXXX XXXX. I had asked this puppy owner at least XXXX about being a scam and explained how we had just put my dog down of 15 yrs few days prior. Each time he promised and trust him and we would receive the dog and gave us the tracking # and airport info and everything. I am very upset and that was a lot of money for nothing to be done at all This is not right and something should be done. Nobody wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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 my credit report on XX/XX/2023, and i noticed hard inquiries that has no permissible purpose to be on my report, these inquiries are hurting my ability to get a home for my family. I have reach out to Equifax repeatedly but they keep violating my rights under 15 US 1681B, the hard inquiries are attached 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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-08-17
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CREDIGY USA CORP.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX : My pandemic stimulus money held at XXXX  XXXX XXXX ; in which would also be unlawful-to take away stimulus money through their levy. 

This would be based on a prior judgement entered in the amount of {$13.00}, XXXX. XXXX plus taxed costs. 

This amount was supposedly a XXXX credit card that I had when I was previously employed there. However ; during the recession when jobs were lost in XXXX ; I had credit protection. 

Therefore ; there should be no outstanding bill. 

I notified XXXX and sent them proof of credit protection charges on my statements. XXXX states that a third party bought out the said amount account and that they have nothing to do with the outstanding bill. 

Main Street Acquisitions XXXX XXXX would be that 3rd party. Harassing and fraudulent he is. I faxed them proof { XXXX - XXXX } of credit protection charges on my statement as well. No response in 30 days. And no response until now ; when they levied my stimulus money from my bank account. 

According to a past complaint on XXXX XXXX XXXX  : Main Street is a passive account owner and does not make any direct collection attempts. A third party law firm working on behalf of Main Street obtained the judgment. 

The lawyer in my case would be XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX. 

And even even if the above statement was true ; XXXX XXXX - debt collector is handling accounts as if direct collection attempts - would be directly from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
went to buy a car and got about 100 inquiries from a dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 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 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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 XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 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 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 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 2023-08-03
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 have a fraudulent account appearing on my credit reports 1. XXXX university {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NV
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 XXXX 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 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

Company response to consumer: Closed with explanation