BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: FirstPoint Collection Resources
State: NC
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:
On XX/XX/XXXX, I filed a CFPB complaint XXXX against FirstPoint Coll Resources INC about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under HIPAA. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from XXXX, stating that a medical collection was now being reported by FirstPoint Coll Resources INC. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX  XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: OH
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:
I have recently reviewed my consumer report and notice that there are two accounts that are not reporting correctly or has been verified neither have i given written consent to disclose this information which is a viloation of my privacy. I'm asking this accounts be deleted from all of my consumer reports immediately to prevent future litagation. According to the FCRA all accounts must be accurately. U.S.C 15 1681 ( a ) ( 4 ) states '' There is need to insure that consumer reporting agency exercise their grave responsibilities wit fairness, impartality, and respect for the consumer 's right to privacy. I did not provide written consentfor the accounts below to be reporting on any of my consumer reports. 
XXXX XXXX and XXXX needs to be removed.

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 2023-05-28
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: 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 2020-09-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi this is XXXX XXXX, I want to file a complaint to American Express. They submitted a late payment to my account which now my credit dropped 26 points because so. My account ending XXXX was due XX/XX/XXXX. I submitted a payment at XX/XX/XXXX of {$200.00}, it was not my intention to be late, i have available funds to pay. I have a 100 % on time payments and i dont find it fair that my credit dropped massively. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: ME
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:
It's been over 30 days. And the creditor. Did Not update the information nor has provided proof of documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to Complete the investigation. And by failing to do so, the item must be deleted from the report as soon as possible.

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 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a trusted member with capital one since XXXX. I have always made payments on time and most of the time I have paid in full. I requested an increase in XX/XX/XXXX and did not receive a response as to why my limit has not been increased. Upon submitting my request to increase I explained that I wound be making a major purchase in the future as well as using the card for travel. They have not provided me with a reason why via mail. The increase was never given and has not been reviewed. Today I am traveling and went to rent a vehicle and was turned down because my limit was not enough to be able to rent the vehicle. After being embarrassed I called to ask for a XXXXXXXX XXXX increase to cover the cost and was told there was nothing that could be done on their end. I have been with capital one as a customer since XXXX which is a considerable amount of time with on time payments and an XXXX score with very low debt to income I believe capital one is being bias towards me. I am submitting the complaint and would like an explanation from them regarding this unjust treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX   again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I make made my payments online through their website from the same account and information that was put on their in XX/XX/2015. out of nowhere payments were made like normal but were not pulled from my account ( only noticed this after i went back through my account after receiving the charge off notice ) and they claimed i stopped payment in my bank for those payment which i did not. i was told i could only make a payment to their recovery center. So after getting help to get the amount needed to pay them off i have been trying for two weeks to make this payoff, i am unable to get a hold of anyone from the branch or place i needed to contact i will sit on hold for 30 mins to 2 hours with out someone picking up and if i am able to get someone only once they transferred me to where they said i needed to talk to and the phone call was disconnected. i have called the branch in my town to be connected as well as being connected to 5 to 6 different department all of which have transferred me or given me other numbers to contact. i Have also found out that they put my car in repo status as of XX/XX/XXXXbut did not even receive the letter that it was being charged off till XX/XX/XXXX. i am very upset with the whole matter because I am trying to do the correct thing and fix the issue but can not due to lack of in my opinion professionalism and courtesy.

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 2023-10-27
Company: Avant Holding Company, Inc.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Avant credit card someone used card out in Florida and there are 4 charges not mine.XXXX {$10.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$95.00} and XX/XX/XXXX {$460.00} not mine I have called many times to straighten out I dont get know where I closed the card because they kept using but charges keep going up.I finally paid {$50.00} on it yesterday I told them that I owed like {$1100.00} on card the rest is not mine I cant get anywhere it is still on statements help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have tried to get this resolved for the last 5 years to no conclusion. It looks like the debt os from a doctors office once I do a XXXX search that i have never been to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Innovis
State: TX
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:
An affidavit was sent via USPS certified mail to Innovis XX/XX/2019. 
Innovis received this affidavit on XX/XX/2019. 

Innovis was provided factual information about errors reporting on my credit report. In this affidavit **that will

be attached** Innovis was asked to report all inaccurate and incomplete information.
According to federal law, a numbered affidavit must be answered with in 30 days of reception each number point. 

In this affidavit there were a total of 14 points. Only 1 was responded to, number 13 where Innovis deleted all incorrect addresses but Innovis has not reponded to point XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX.XX/XX/XXXX. or XX/XX/XXXX. While Innovis is technically not in default until XX/XX/2019 I am sending this complaint due to the fact that Innovis said that they concluded their investigation. 

This is a violation as they have ignored my dispute. ** The Innovis statement will be attached. ** Per my original affidavit, Innovis has until XX/XX/2019 to correct the listed issues or respond under oath with fact as to why they believe the information is factual. 

I will bring this matter to court if this information is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Each of my payroll checks are being placed on five day holds. If it were one check that would be one thing, but for every check I deposit to suddenly be placed on 5 day holds feel discriminatory. I am the book keeper for the business my payroll checks come from. I checked our business checking account. Every check Ive deposited has cleared that account and been deducted from its funds, my credit institution on the other hand, has however refused to credit me what is owed and been approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Old information reappears or never goes away

Complaint:
I have filed disputes with all three credit bureaus with getting items removed from my credit report and deleting old items that keep getting reported. I would like to have these items investigated and removed. I know I cant submit information of the accounts but I would appreciate anything that can be done. As these items are becoming detrimental to my process of purchasing a home

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 2021-08-18
Company: OneMain Finance 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:
One main is incorrectly reporting my payment history on all 3 credit bureaus for the month of XXXX XXXX 

One main reported my account as paid as agreed on all 3 credit bureaus until XXXX XXXX XXXX 

On XXXX XXXX XXXX, One Main updated my payment history with all 3 credit bureaus as late for XXXX XXXX 

My XXXX XXXX payment was due on XXXX XXXX  and payment was made on XXXX XXXX XXXX XXXXhich was late but not 30 days late as reported on my credit report. 

I also was approved for a deferred payment for XXXX and XXXX of XXXX and was told by the local agent that approved the deferred payments that I would not be reported late on credit reports. 

Only XX/XX/XXXX, I disputed a previous late payment from XX/XX/XXXX with the credit bureaus and one main via written notice asking for a goodwill forgiveness for the late payment from XXXX. 

I believe One Main is retaliating against me for challenging /requesting a goodwill forgiveness for the XXXX XXXX  late payment and updated my credit report as late. 

Please assist with getting One Main to report my payment history accurately for XXXX XXXX  or delete this inaccurate reporting account from my credit report. 

I have tried on multiple occasions to get One Main to help with this issue and even spoke with the executive office to assist with no resolution provided as of today. 

I also have copies of my XXXX, XXXX and XX/XX/XXXX credit reports which can corroborate my informational s show that One Main reported my account as paid as agreed until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: U.S. BANCORP
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is showing that I owe {$240.00} to Elan Financial, causing the credit rating to drop XXXX points. 
I filed a dispute, and my credit score went back to normal, only to fall back down XXXX points again when Elan Financial reported the original information as correct. 

On XXXX, the account was paid in FULL. ( {$240.00} ) On XXXX Elan Financial reported that I was in debt for {$240.00} I took a XXXX pint hit I filed a dispute with both XXXX and BBB On XXXX I was notified by the XXXX that Elan Financial would respond in writing, On XXXX XXXX updated my report XXXX pint increase. The {$240.00} was taken off my report. 
On XXXX XXXX updated my report showed a XXXX point decrease, and the {$240.00} owed was back on my report. 
On XXXX I filed another dispute with XXXX over the phone, and have to mail my evidence that it was paid. 
As of XXXX I have not received a response from Elan Financial.

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 2023-05-28
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:
In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation