BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: SC
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX MEDICAL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XXXX, I settled an account with America Express. Updates are sent by by American Express on the XXXX of each month. American Express has deliberately failed to update the credit bureau and continues to add negative entries on my credit report, which is continuing to lower my score and prevent us from refinancing our home. 

When I contact American Express, they state that the account has been settled and nothing else is owed, however, they refuse to update the bureau. They keep giving you additional toll free numbers to call, which each unit tells you that someone else has to take care of it and will not resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: BARCLAYS BANK DELAWARE
State: KS
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:
On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.

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 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a mailed statement from Bank of America showing interest only due of {$100.00}. I paid off the balance by phone after I specifically asked and was told by their representative there would be no additional fees or interest charged with the amount that I provided as my pay off balance payment. 

This has happened previously with balance payoff in that an additional statement arrives with interest due. In our experience there is no way to payoff the interest in this form as the interest incurs additional interest, and the cycle never ends. As such I specifically asked the representative to help ensure the final payment was the complete and full payoff amount and that no additional charges would be made against me in any form.

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 2023-11-24
Company: EQUIFAX, INC.
State: IA
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:
I am a victim of Identity Theft and I would like to seek your help to help me remove these erroneous information and unauthorized inquiires, accounts, inaccurate names and inaccurate addresses from being reported on my Credit Report. I have no idea of how this fraudulent activity happens and I have no one to suspect. I have not taken any kinds of services, goods, and/or money as a result of this fraudulent activity. I would be more willing to help you if you may need any information to help you remove these items. Thank you in advance : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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 account has been closed since 2014 and they keep updating it to push the date they closed it later and later to keep it on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Capital one has open and closed this account many time for the past year damaging my credit. the information they are reporting is incorrect therefore must be deleted, this account has been open on XX/XX/XXXX, XXXX, of XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX after each date is was closed 2 days later dropping my score over a 150 points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Capital Link Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Capital Link Management has been contacting my daughter and husband on their cell phones, one of which is a employer-provided mobile phone. They leave multiple voicemails stating they are collecting a debt for " my first and last name '' with a threatening tone, but probably being careful with the words they use. They have sent my daughter texts. When she replies " STOP '' to " opt-out '', seconds later she'll receive another text from a different number. It is always a male that leaves voice messages and one actually spoke with my husband. One of the voicemails states his name is XXXX. 

I DO NOT owe any past due debt. My credit is excellent ( score averages around 800 ) and any lines of credit I have are in excellent standing. 

My personal credentials have been in various breaches over the years, including XXXX, XXXX, etc. As a result, I have been a victim of identity theft. " Someone '' submitted a XXXX tax return with my SSN and personal data. Thankfully the IRS have security protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. 

I would like Capital Link Management to cease all communication with my family members, as I do NOT owe or have any past due debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: MI
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 contacted Experian on XX/XX/XXXX regarding a tradeline reporting on consumer credit report, that has a number of documented egregious errors. I have been paying on an installment loan regularly since last year ( XXXX ) and have proof of payment. However from XXXX - XXXX of this year ( XXXX ) I have an anomalous reporting of 3 back to back 120 days late for EACH month. Besides not not being late at all. the structure of the reporting is wrong for the following reasons : to be 120 days, one must first be 90 days late, to be 90 days late one first be 60 days late and to be 60 days 30 days. NONE of which are reported leading up to the first insistence of being 120 days late, further.If I have not been paying my account then subsequent to the first instance of being 120 days late, I should be 150 days next and then finally 180 days late. Understandably this reporting errors have caused great harm to my ability to secure personal AND further business funding. If we reason that if It was reported I was 30 days late at anytime in the past AND it were true in XX/XX/XXXX it  would have been now 6 months ago and my credit score would of been recovering from a single incident of only 30 days late, not an undocumented pop-up of 120 days in the middle of the rolling 6 month snapshot.

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 2023-11-24
Company: EQUIFAX, INC.
State: NJ
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I applied for credit check services with Transunion, in about XXXX or XX/XX/2018. They had advertised it as " free credit checking '', and from then on, at least once a month, was charged a recurring {$19.00}. These charges have been taken out of my account for several months, without my knowing, and I never thought to check my bank statements, as I never knew they would be charging me in the first place. My bank won't help with disputing charges, so I need to come to CFPB. 

I have called Transunion, and of course they ask me all of my personal information just to get into my account. They couldn't help me since I initially filed online. They gave me an online account referencing phone number, but was able to cancel my subscription online. I have submitted here to the CFPB a screenshot of the email I received this morning from TransUnion, acknowledging my cancellation 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 monetary relief
Consumer complaint received 2022-10-29
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an active loan with OneMain Financial dating back to XX/XX/2021. I have been making payments on the loan every month since then. However, I have huge regrets taking out this loan and dealing with this company. Going back to XXXX this year I have been hit with repeated phone calls hounding me trying to collect money. I am doing everything in my power to repay this loan but that is harassment what they are doing. The final straw for me is when they called my phone today, a weekend morning. Any other creditor I have dealt with has never made harassing phone calls. If anything they communicate with me through email. I have call logs to back OneMain 's ridiculous amounts of calls they have made to me over the last few months. It's bad enough that my balance with them is hardly going down after making monthly installments, but that's a whole another issue. I have every intention to pay this loan off to the best of my ability but the nagging calls have got to stop. Thanks for taking the time out to address this issue and have a great weekend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I obtained a loan from Genesis Lending in XX/XX/XXXX to attend XXXX XXXX in XXXX, MI. After XXXX and obtaining a job, I began auto paying the {$99.00} payment each month and started saving so I could pay off this high interest loan. On XX/XX/XXXX, I paid the balance of {$2800.00} online and called the next day to speak to someone to verify that it was paid in full. I was informed that there was a balance of {$11.00}, but that that would be credited due to the balance being paid. I checked my bank account on XX/XX/XXXX and saw that they had taken the {$99.00} payment on XX/XX/XXXX even though the loan was paid off. I called and they were very rude and not at all helpful, informing me that it was my responsibility to go to my bank and dispute the charge or else send them a statement as proof that it came from my account. I informed them that I work during banking hours and I feel that it is their responsibility to fix their mistake and they can see that it came out of the same account that every other payment came from. I asked to speak to a supervisor XXXX times and was told she was having technical difficulties and unable to talk. After XXXX minutes, I was finally connected to a supervisor who told me that there was nothing she could do to correct their unlawful withdrawal of money that was not owed to them. I asked to speak to her supervisor and was informed that the account manager would not be in until the next day and would call me back. I never recieved a call from the account manager and am still waiting for this to be resolved. I believe that it is illegal to withdraw a payment on a loan that is paid off and very unprofessional to not do everything they can to fix this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23 I sent a money order via mail, I buy a tracking number, in the amount of {$350.00}, to a po box provided by them when I called. 
I tracked the mail and they received the money order on XX/XX/23 and cashed. 
I called explain the situation and they refer me to send email to the research department, I did it, they mentioned they need the need proof of, I include pictures of the money order back and front, they respond to me stating that they received a payment made over the phone on XX/XX/23 ( like nothing to do with the request in regards to the missing payment ). 
I send 3rd email explaining everything again and include ALL DOCUMENTATION again and they respond to me stating the need the back and front of the money order when is been sent more than 3 times so I need help please because I dont want loose my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory XXXX XXXX COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards.

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time with XXXX XXXX. This account was on my reports with all XXXX credit bureaus, Transunion, XXXX and XXXX. I have asked for verification and validation of this debt and have not received anything back stating how this account was verified. XXXX and XXXX found that there wasn't any valid proof that this account is mine and belongs to me so how is it that Transunion is still reporting this account? All XXXX reporting agencies are supposed to be reporting the same information and if the other credit bureaus removed this inaccurate account from my reports so should Transunion. It is illegal to report inaccurate information on a consumers reports and I am demanding that this account is deleted.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.

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