BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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:
I am in the process of purchasing a home and the VA lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the VA 's advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, XXXX, and Equifax ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
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:
I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with cash advances

Complaint:
We took a {$60.00} cash advance in XXXX, XXXX. We have now noticed that at about {$8.00} a month in interest since XXXX we have paid over {$500.00} in monthly interest charges on that advance. In addition we now have a principal balance of XXXX for that advance, comprised of past monthly interest that was not calculated in the minimum monthly payment. Capital One Customer Service claims this is normal and that not all of the cash advance interest was included in the minimum payment calculation they used. That {$60.00} cash advance has cost us over {$800.00}, and would have exceeded {$1000.00} if we continued to pay the minimum amount. I feel that the way they calculated the minimum payment to not include the full monthly interest amount was an intentional method to increase interest charges, and paying over {$1000.00} on a {$60.00} cash advance is unethical if not against state or federal regulations. Additionally we only attached the statement for XXXX, XXXX and our latest statement XXXX, XXXX since all statements would exceed the 50 page limit. That is the only cash advance we have ever taken, and the current principal is on the latest statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I was late on my payment in the month of XXXX, I over looked the payment. I have had this account since 2014 and have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: NJ
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:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Hillcrest Davidson & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Calls are being made to a public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Fair Debt Collection Practices Act states that debt collectors can not use any false, deceptive or misleading representation to collect the debt. Along with other restrictions, debt collectors can not misrepresent the amount of the debt whether its past the statue of limitations. 15 USC 1692e ( 2 ) ( A ) States that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of the character, amount or legal status of any debt. 15 USC 1692c ( a ) ( 1 ) States without prior consent of consumer or permission of a court, a debt collector may not communicate in connection with any debt. 15 USC 1692g ( b ) Sates that debt collector is required to show lawful authority to collect on an alleged debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-30
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX. Please remove this account ASAP.

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 2021-06-04
Company: TCF NATIONAL BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020, I submitted a dispute to experian in regards to a bankruptcy being inaccurately reported on my credit profile by experian. In their response they stated they verified the information to be accurated even after i submitted documentation that the name and address was different from mine. According to section 609 in the FCRA, all information in a credit file must be reported accurately, however experian has failed to do so and refuses to correct this issue.

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 2023-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made the settlement payment to this company in return to have all information removed off my credit regarding this debt from the reporting agencies. This company has not kept their promise and had failed to delete any and all information from my consumer report, I have disputed this matter.

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 2023-01-07
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-10-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I been banking with suntrust for fee years. I have power of attorney over my husband because he is XXXX  and XXXX XXXX. His checks have been coming into my account direct deposit and paper check. I Make monthly deposit .my account has been frozen. I brought all documents my husband. I was told my account is closing and I will receive a check in 7 to 10 business days. It's been 3 weeks and no access to my money I don't have access and I am stranded. This is wrong. I need my money immediately

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2023-06-30
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In Spring of 2018 a fraudulent purchase was made on my JC Penney Credit Card. I called immediately when I noticed to the customer service and they said they would fix right away. Instead of fixing- they deactivated my credit card, then replaced with a new one- transferring the full balance of the fraudulent charge ( and all that was listed on the account was " Balance Transfer '' not detailed out like before ). I then called AGAIN to see why my balance wasn't fixed, and I was then told when I made the last purchase- which was not my purchase, and that they wouldn't fix. I refused to pay anymore to the store card, which has now hit my credit report as a charge off, and late balances have accrued. I would really like this off of my credit report and fixed immediately, as it is affecting my ability to get student loans for my XXXX XXXX XXXX. It has caused my credit to drop which I have been in the process of fixing over the past few years ( I have 100 % payment on time, etc ).

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 2021-09-08
Company: DISCOVER BANK
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:
I have been told and have had my Discover Student Loan account accordingly notated, that Discover did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, Discover, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that Discover could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and Discover has not resolved any issues and now I have multiple late reportings on my credit where now Discover is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for Discover to disproportionately preclude people from refinancing their loans out of Discover by giving them this unwarranted and illegal black mark on their credit.

Company response to consumer: Closed with explanation