BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After learning that someone had access my profile and placed unauthorized delivery diversion instructions with a major package delivery company, once in XX/XX/2020 and then again in XX/XX/2020, I called/went online to request a freeze and get a free online copy of my credit report from Equifax and the other two major credit reporting agencies. In XX/XX/2020, I was told by an Equifax representative that I needed to submit a request and proofs by mail. I was told that the reason I needed to submit a written request with proofs was because I hadn't lived at my new address at least six months. Now, in XX/XX/2020, more than six months after I notified the post office and government of my address change, and nearly as long since I started using my new address at financial institutions and public utilities, I'm told by an Equifax representative ( only able to get through using my old address ) that I am still required to mail my requests and proofs, without any new explanation. I've had no difficulty placing freezes ( in XX/XX/2020 ) and getting free online credit reports with XXXX  and XXXX. My most recent XXXX  and XXXX  reports, generated XX/XX/2020, show my new address in the addresses section. XXXX  and XXXX  provided these reports to me online, through the XXXX website, in the same web session that I requested the Equifax report. I feel like I'm being singled-out and treated unfairly by Equifax, since the original reason Equifax gave for not providing the reports by phone/online is no longer valid, and they offer no new reason. When, years ago, I had an identity theft and tried to get a freeze and report from Equifax, and got the same response, only from Equifax and not the other agencies, about needing to mail proofs before they could do anything for me, so it doesn't appear to me that this is something new. I don't understand what causes Equifax to apply a different standard to me than they apply to some others - the most recent Equifax representative I spoke with said that not everyone is asked to submit their requests by mail and with copies of proof documents. Since Equifax only requires copies of the proofs, and not the originals, why don't they at least make it easier by allow submission of the copies online or by email? It makes me wonder if the company may be acting in such a way as to deter people from requesting these services from their company, while still conforming to the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: HUNTINGTON NATIONAL BANK, THE
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: Their investigation did not fix an error on your report

Complaint:
I called in XX/XX/2016 to make the final mortgage payment on my account with Huntington National Bank. They told me the payment amount due which I paid in full. Several months later ( XX/XX/2016 I believe ) I received information stating I owed a balance, at this time it was placed with their debt recovery department and was in a charge off status. I went ahead and paid the amount in full hoping that would satisfy my obligations. I received another call stating I still yet had a small balance and again paid that in full. 

Now I'm looking at my credit report for the first time since and see they are showing a balance on my account and have reported it as charged off. I filed a dispute, Huntington corrected the amount it said I owed to XXXX  but refused to change the charge off status to paid as agreed. The only reason it went to charge off was because I was not given the correct amount not once, but on two separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX . Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed 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 2023-01-05
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: Was not notified of investigation status or results

Complaint:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt was Originally XXXX for XXXX XXXX after leaving their employment they opened services in my name for consumer services without my knowledge or consent, I turned in my equipment after leaving the company as an employee on XXXX 

I received notification sometime in XXXX  from a " SW CRDT SYS '' that I had an outstanding balance of XXXX for services rendered by XXXX XXXX, I explained to them I used to be an employee I Turned in my employee equipment and the company terminated my employee account after leaving. I was unaware of any additional Consumer Account opened under my name. 

SW CRDT SYS failed to remove the debt and tried to continue collecting so on or about XX/XX/XXXX I filed a dispute with XXXX over the accuracy of the debt. As again I never requested services, i never authorized services and after leaving the employment of XXXX I turned in my equipment. I won the dispute on XXXX XXXX XXXX and It was removed from all 3 credit agencies. Sometime in XXXX XXXX XXXX XXXX they added the debt again for this time {$530.00} When I contacted them to explain that this was invalid and that I didn't owe XXXX XXXX anything they said " They being XXXX XXXX on a recorded line with their Executive Support Team '' that due to the dispute, they would try to collect any information and get back to me, once XXXX responds even if they try to uphold the debt it would be removed. This struck me as odd as It would seem against the Fair Debt Recording Act to say something like that. 

Anyway, I have redisputed this debt with the credit agencies and while some have come back and tried to validate the debt now at least 1 is still pending ( XXXX ) investigation. SW CRDT SYS reuploaded the debt under Southwest Credit Systems under a brand new account number and when I asked for supporting documentation on their revised balance they ( XXXX XXXX ) sent me copies of the old amount in which I won the dispute over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: MI
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:
You will see in Letter one, sent XX/XX/2018, received CERTIFIED MAIL XX/XX/2018 @ XXXX XXXX., EXPERIAN sent back a response stating things have been VERIFIED but they failed to answer my SPECIFIC request stating " Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the ORIGINAL signed consumer contract-any and all accounts you post on a credit report. '' " I demand to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' ( SEE ATTACHED DOCUMENT ) They sent back a letter stating they have verified and updated my report. They did not follow my demands and send me any verifiable proof. 

XX/XX/2018, more than 30 days allowed to them by law, I sent off letter 2. enclosed with it was a copy of letter 1, proof letter 1 was received. " Please be advised this is my second written request. '' " You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my name on it ) and unter Secion 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all information which can not be verified, '' " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. '' ( SEE ATTACHED DOCUMENT ) Their response is they will not reinvestigate pursuant to Section 611 ( a ) ( 3 ) ( A ) ( SEE ATTACHED DOCUMENT )

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 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts 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 explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of 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 explanation
Consumer complaint received 2020-06-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal have frozen my account on XX/XX/XXXX.and put a hold on {$9.00} USD for 180 days! 
after 180 days. on XX/XX/2020, PayPal Transformed XXXX USD from my account to their account. look at the picture down below. This is just unacceptable. 

i have invested a lot of money in inventory and advertising etc.I have worked hard for my money and it's disgusting what they are doing. They like to prey on smaller businesses who they feel don't have the means to fight back. That's complete robbery being performed under another name i was selling shovel.and all my orders were shipped and delivered through USPS.. 
they don't reply to my emails their phone lines are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an account with Capitol One since XX/XX/XXXX. I have paid all of my balances in full plus interest each month and was never late. I had an XXXX  XXXX in XX/XX/XXXXXXXX  and was out on XXXX. Even when I was on XXXX, I took the money that was significantly less and paid my capitol one credit card bill. I called in and explained to them that I would need an extension around XXXX because I was still waiting on my XXXX check to come in. The representative told me that they would be give me an extension for 90 days then I would have to resume the original payments. Upon the capitol one representative giving me this extension, I did not see where Capital one gave me an extension. Instead my account was closed in XXXX and the interest rate increased even more. Now as I returned to work and rebuilding my health I am stressing out to see how Capital one is handling my account. I pay them on time all the time and because I had a XXXX XXXX XXXXXXXX, my credit is now being tarnished by this Credit Card. I am a hard worker and I will attach my payment history to show that I was consistent with Capital One up until my health declined and that was the only time I had an issue. I just want a fair shot at paying back what I owe and not be subjected to predatory overwhelming interest rates. This is stressful and I asked Capitol for this consideration at this hard time in my life. For them to agree then close the account just does not seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Navient Solutions, LLC.
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:
Navient reported delinquency of my private student loan during the height of the COVID19 ( XXXX-XXXX  ) pandemic. The automated payments lapse, not because of inability to pay but limited and poor communication from Navient to re-establish payments. Once things were rectified in XXXX they proceeded to submit the negative history dropping my credit score 30 points. This has severely impacted my private practice as I have been declined credit to purchase additional equipment needed for my practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file. 

Inquiry Details : XXXX XXXX - XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: IL
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, this company has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. 
I have never done business With XXXX XXXX XXXX Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. 
XXXX XXXX XXXX collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.

Company response to consumer: Closed with non-monetary relief