BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MN
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 got to the fact where I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyse my complaints. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2023-03-03
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is reporting my child support case that is closed. I contacted the state of Michigan asking do they provide any of the three credit bureaus?, they sent me a letter saying NO. Child is a public record not a loan or mortgage or credit debit. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 
STATE OF MI OFFICE CHI XXXX STATE OF MI OFFICE CHI 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 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/19 On XX/XX/19, I wrote a check to Capital One for {$300.00}. Capital One took {$3000.00} unauthorized. I discovered the problem on XX/XX/19 and called the company, as well as alerted my bank. Capital One takes the money electronically, so the bank did not have a copy of the check. A Capital One representative told me that they could see the check written for {$300.00} on their computer. I applied for the check in written to XXXX XXXX XXXX on XX/XX/19, copy provided in this complaint. Shortly after that the {$3000.00} appeared on my XXXX statement. This placement of the money was also unauthorized. If I withdraw the money from the account, I will have to pay fees on my own money. In short, I feel this is a scam to get more interest fees. 
Usually, money is returned to the checking account, from what I was told. To date, no check or money has been returned to me. I have asked for the money to be returned on numerous occasions. Also, I was told each time I called that it would take another 10 days, they are so back lodged. On XX/XX/19, told it would be another 4 weeks. I can not seem to get anyone to help me get my money {$2700.00} back ( minus the intended {$300.00} ). 
I have included a time and person document in added files section.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fradulent acts were invloved using my credit, accounts were put into my name and later charged off for me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was contacted by XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX stating I was approved for a loan of {$3000.00} which I was looking at for medical. We went over the information and then it got hinky. They requested ( 5 ) reversals on my bank acct totalling {$640.00}. He said not to worry about those, they weren't important. Said they had to connect their bank to my bank to transfer the loan. Kept saying the money would be there shortly - never arrived. Then said he had been to the doctor and was going home, we would finish tomorrow. DID MORE RESEARCH! 
XX/XX/XXXX He contacted me this morning and wanted me to transfer {$630.00} via XXXX  then Western Union. I asked why and he stated that this was how the {$640.00} would be recovered to my account. He walked me thru the process and had me wire the {$630.00} to XXXX / XXXX XXXX. When I ask why XXXX he replied it was to avoid a {$150.00} charge from the US. Informed me the {$3000.00} would hit my account in @ 30 min - never deposited. I contacted the local XXXX XXXX when it opened and they found no loan application with my name on it - non existant in their records. 
Now I sit here in a very panicked state, surviving as a XXXX Veteran on not enough XXXX  to survive on and owing {$630.00} to my bank. 
I have completely closed the account- too little too late. I also have emails w/documents WU tracking XXXX XXXX Loan ID # XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
merchants credit association representatives continue to harass me and my family even after i told them to stop harassing me and my family .calling others also filing lawsuit for medical bills due to car accident my attorney XXXX XXXX XXXX is handling.continue to threaten even when XXXX XXXX  ask them to stop .This harrasment need to stop immediately and lawsuit need to be vacated and deal with attorney that is handling itXXXX need to return the accounts back to original creditor .XXXX is not using merchants as collections agency.Merchants continue to use abusive tactics threaten and harass Washington residents .i have previously sued merchants while back they continue to use abusive way to collect money .Merchants need to stop this abusive practice or i will sue you.So many complaints and lawsuits for abusive practices why is merchants don't understand .calling people using unidentified numbers and different times .Merchants need to stop their illegal collection activity immediately.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: UT
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: Problem with personal statement of dispute

Complaint:
Im in the process of terminating my contract with XXXXXXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1 XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program. 

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.

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 2023-02-13
Company: EQUIFAX, INC.
State: SC
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 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. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Bread Financial Holdings, Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I had a single 30 day missed payment that is reported on my credit report. It is the only missed payment in my entire credit history. I was homeless, didnt have a job and received no unemployment for 8 months until XX/XX/2021 due to XXXX. I also had my card stolen that was linked to my payments and therefore reported it to my bank and the payment to the creditor did not go through. I did not receive any communication from the creditor, and immediately paid the missed payment and explained my situation. It was due to a natural disaster ( Covid ) and I have asked for it to be removed from my credit report several times. I have explained my situation every time and have never missed another payment or any payment previous to that single payment. This is a life changing removal from my credit report and they simply do not care. This should be illegal. It was during the pandemic and it was one payment that I immediately rectified as soon as I received my new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a motorcycle accident on XX/XX/2022. He underwent two XXXX and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it XXXX or XXXX times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my Transunion account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.

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 2020-08-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
An advance payment, was sent and they changed the payment date.to XXXX XX/XX/2020 and the first payment was sent XXXX 16/2020.and they still charged more interest. and they do not give me an answer as to why they changed, the date to. The XXXX of the each month to XXXX & XXXX of each month and that is why they charge me more interest and they have not communicated with me. 


I just need you to answer.me why you are with more interest and why the dates changed. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX  Last Payment Made XX/XX/XXXXXXXX  Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.

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 2023-07-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied the Citibank AAdvantage XXXX Credit Card on XX/XX/XXXX, and got approved immediately. then i was issued a " vertual card number and information '' so that i can start use it immediately. 

I used this card for several online purchase. 

Then i received an Email informing me that there are payments due on XXXX XXXX however, i have not receive the physical card yet. so i can not register my online account to make the payment. 

So, I called the customer service, trying to make the payment. The customer service representative told me that they would need to verify me before making any action. The only way of verifying me is by sending me another letter. i have to receive the letter then call them again. but now more than 1 week have passed, and my credit card is almost due, but i still have not receive any letter for verification yet. 

I just want to make the payment to my credit card so that it will not affect my credit history.

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 2019-08-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 called Chase customer support in order to discuss payment options regarding 3 credit card account I have with them on or around XX/XX/2019. I was unemployed during this period and called to see if there were options to reduce my payments temporarily while I got back on my feet. 

At the time, I was less than 30 days late on my accounts, and we discussed a hardship program over the phone in which I would make 3 payments specified by Chase and then the account would be brought back current. We discussed payments that would work for me as I was returning to work that month, and the phone rep set up 3 payment withdrawals for each of my 3 accounts. This was an amount agreed upon with the phone representative, and the electronic withdrawals were set up by the Chase. 

3 months later, around mid XX/XX/2019, I come to find that they have been reporting my account late, and when I spoke to them, they said it was indeed a bank error after reviewing the phone call. I received a call a couple of days later from Chase saying they made a mistake again, and they were going back on their word that they had made an error. They said the late payments would stay. 

The phone representative never made any mention that I was not in fact enrolled in a hardship program. They never mentioned that the payments they had set up for me did not go towards bringing the account current. There was no indication that the payments were not in a sufficient amount to bring the account out of late status at any point. 

I now have 8 rolling 30 day lates and 1 60 day late reported on my credit report erroneously because the representatives at Chase failed to inform me of the negative impact that the payments THEY set up for me would cause. Had I been informed I needed to bring my account current or needed a higher monthly payment amount, I would have made different decisions. I called this creditor in a time of need asking for help, and they put me in a much worse position. 

These are unfair and deceptive practices from the collection department at Chase, and this is seriously hurting their customers in need. Instead of offering customers an honest path to bring their accounts current, they put them on a path that negatively impacts their credit scores, credit reports, and financial future for years to come. I urge that the CFPB please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

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