BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
15 USC 1681 c-2 Except as otherwise provided in this section, 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 by such agency of- The CFPB said an employee forwarded the personal information of more than a quarter-million consumers to a personal email account, an incident that the bureau described as a major breach. 

Equifax has had a breach all the people set in place to keep to gate keep has failed to protect consumers leaving us exposed for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital one has a quick silver credit card promotion-offer for all whom qualify for the card and spend {$500.00} in the first three months. 

The only terms are, get approved for the card and spend {$500.00} in the first 3 months and recieve a {$200.00} rewards credit. 

I spent over {$500.00} within the firdt 3 months and capital One only gave me {$150.00}. 

I called and filed a complaint # XXXX And it was reviewed on XX/XX/2021. 

I called to follow up on XX/XX/2021 at XXXX XXXX To the super isor of customer care XXXX ID XXXX women named XXXX XXXX told me I recieved {$150.00} credit instead of the advertised {$200.00} because " you did. Ot meet the criteria for the {$200.00} dollars. '' I asked her what criteria she was refering to and she responded by saying " our criteria is internal and we do not give that information to our customers '' She also refused to give me and documentation of my report and why I was denied the advertised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. XXXX unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. XXXX has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score. 
Please see the attached loan paid receipt E-Mail from them. 
This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX - XXXX XXXX reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AmeriCollect
State: WI
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 don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: GA
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:
I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX XXXX XXXX loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

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 2022-05-24
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX - XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-02-20
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint against AMERICOLLECT, requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. 

At this time I will inform you that if your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was a XXXX XXXX Customer. I received a title loan on my car and I paid that loan off since the interest rate is extremely high. Again I was contacted by loanmart to get another XXXX XXXX on my vehicle. They were charging me an entirely High rate for {$2500.00}. They have charged me over {$10000.00} in fees. XXXX Stole my car from my driveway and sold it and took all the money which was way above {$2500.00}. They should be on The Blacklist 4 charging customers High interest rates for title loans in selling their car without their knowledge. Now for the past three years they are damaging my credit report and I'm not able to buy a vehicle. Basically I have to take the bus because of XXXX. I am forwarding this complaint to the XXXX XXXX XXXX and XXXX XXXX XXXX so they do not Target any more customers like me and be the victim of their High interest rate and selling their car without their knowledge and also destroying their credit. find me XXXX year old XXXX woman, which XXXX is fully aware of and my husband passed away in 2018 from XXXX and at this moment I only have food stamps and I'm waiting for my XXXX approval and I can not get housing or apply for anything because of XXXX. They charged {$10000.00} for {$2500.00} plus sold my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
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:
On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to 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 explanation
Consumer complaint received 2022-04-07
Company: Convergent Resources, Inc.
State: NY
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:
My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.

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 2023-04-27
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
I Reached out to IC systems IXXXX, who is a debt collector for XXXX XXXX or XXXX on XX/XX/23. I notified them that they put a collection on my credit for XXXX. They informed me that the account was in someone else 's name that's close to my name but it is not my name. I informed them that their information was inaccurate and I have never had an account with spectrum and they told me to reach out to spectrum. I reached out to spectrum as well on XX/XX/23 and they told me that a family member was using my information. I asked what information and they said they took the first XXXX letters of your name and opened an account but they didn't have any other information. I spoke with a spectrum supervisor on XX/XX/23 and she informed me that the account they're referring to does not have any of my information attached to it ( SSN number, DOB, Full name or Address ). I also reached out to XXXX and filed a dispute and they sent me an email and said they deemed the information to be accurate. I called and asked a representative what information that they linked to me to make it accurate and he said that I needed to reach back out to the creditor who reported the information. It seems that they are all pointing the finger to one another but no-one can prove that an account was opened in my full name using any of my personal information. I feel like I'm being targeted and railroaded just because a company is trying to blame someone because they can't find the real person responsible for this debt. I've spoke to several representatives from IC systems INC since XX/XX/23 and no information that they have given me links this account to me so I don't know how its on my credit. They don't have my real name, email address, DOB, address, they don't have anything but 3 letters of my first name and last name. This is not right and not ethical and against the law!

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
INVESTIGATION HAVE PASSED 30 DAYS AS REQUIRED BY LAW AND TRANSUNION FAILURE TO VERIFY ACCOUNTS AND PROVIDE AN APPROPRIATE LEGAL AND LAWFUL ANSWER. NOTHING WAS LAWFULLY VERIFIED. 
SEE ATTACHMENT!

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 2023-11-29
Company: AAA Collections
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Anytime I have talked to someone and asked them to help verify the debt and if its even mine for better information for me to review they have only told me a date of service and a hospital or clinic name. I can not verify if I actually owe this or if my insurance made the payments etc. There was an insurance change the providers needed to work through therefore any debt during these times should not have been moved over to collections and likely could have been paid. 

I spoke to someone, a gentlemen I dont remember the exact date but possibly in late spring early summer of XXXX  who was very rude and wanted nothing to do with helping me determine this was actually legitimate or for me or someone in my family. When I continued to ask for assistance he got rude and told me it was my problem and to pay my bills I explained what happened with the insurance and some other things the hospital was waiving payment for due to the financial assistance and wanted to make sure the hospital didnt already remove that as to which he didnt care. He started to fight and yell at me on the call that he would have to send it so they could prosecute me in court for this debt if I didnt figure it out. How can I figure it out if I dont have all the information I need? He said the dates were on there but I saw no dates or actual dates of service just a date they had possible the date they got the debt? I am not sure, I told him if he wasnt going to help me help them to just stop calling. I finally had to hang up because I was so upset by the conversation and feeling cornered. I have gone back in my phone records and do not see anything since XX/XX/XXXX of being contact again by then regarding this. I did not see additional letters either come to me son figured they must have figured it out. I then today got a letter saying I needed to make an acceptable payment arrangement for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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