BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was hospitalized in XXXX through XXXX of this year, at the same time I was unable to receive several copies of of my statements. I tried contacting customer service to resolve the issues and get my account up to date but it was impossible to get a hold of anyone during this time because of the pandemic. I have called multiple times to follow up on the empty promises I've received about getting my account up to date that would include reporting correctly to the credit bureaus. I am reporting as 30 days late for 1 billing cycle when I was hospitalized and did not get a copy of my statements.

I just want them to update my report as current for the month it is reporting as late. I tried contacting them to resolve my concern and was told numerous times it would be updated showing as current since I did not receive a statement for those months and I was hospitalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a phone call today from a XXXXXXXX XXXX XXXX company XXXX XXXX ) stating I had a lawsuit against me from Ace Cash Express and the hearing would be at SD Court. Case number is XXXX. The man I spoke to said I would have my wages garnished. I am not working at this time due to Covid. I can not pay this loan and the amount ordered is over XXXX. I never received that much of a loan, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: OH
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This letter is complain to Equifax to erase an error account from my report XXXX XXXX XXXX shows one missed payment I talked to equifax and also to the creditor and asked equifax to erase the account  from my report because I was an authorized user on the card and creditor agreed to take me out from the card so Im no longer an authorized user please erase it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 response to consumer: In progress
Consumer complaint received 2020-12-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2022-07-09
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to file a complaint on Equifax for the inaccurate information they are reporting on my consumer reports, I have tried to dispute this information before but the company has failed to update me of my previous dispute or correct the inaccurate information that is being reported I have attached a copy of my Equifax consumer report and I have highlighted the inaccuracies on the report I want someone to hold them responsible for these inaccuracies because by law everything has to match on my report on a three bureaus and it does not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.

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 2019-02-04
Company: Experian Information Solutions Inc.
State: VA
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 stated to Experian and I will say it again : I challenge Experian and the collection company to prove that I canceled or my bank canceled and/or put any block on the automatic payment set up for any XXXX account I ever had. I never failed to pay my dues on time. I disputed the same exact unlawful sprints alleged owed amount and it was deleted by Experian and now Experian retaliated against me and despite a letter from my bank confirming the above about the automatic payment and despite the proofs provided to Experian this credit bureau violated my rights under FCRA. Experian recklessly ignores the real issue and ignores my factual evidences and instead lecture the reader here instead of honest response to the real facts of the complaint. Thus, Experian must comply to the law or face it. If Experian can prove that I never had automatic payment or that I canceled it or block it or my bank canceled it or block then the collection account that alleged {$1300.00} should remain and if they can not which is a fact then Experian must deleted the only negative information or the collection about the XXXX alleged owed amount of $ XXXX.because my bank write a letter and confirmed that I never called my bank to cancel that automatic and I never canceled that automoatic payment and my account that provide funds to that automatic payment is same and open and has always funds of over 4000 $ daily and if XXXX wanted to get paid for any amount they have the ability to do so and they must stop harrassing me and damaging my financial reputation. I challenged Experian and its collection agency to prove me and my bank wrong about the fact that I and my bank did not impede XXXX to do what it was used to do using the automatic payment and get paid for any ligitimate amount proven I owed them but instead they use this collection over and over and drag me to complain and dispute it maybe they think I will give up my rights but they must know they have to follow role of law. Experian must comply to FCRA and my Virginia state law and delete that unlawful collection with original creditor XXXX because it is about the same amount previously disputed with this bureau and it was deleted and why is not the case now? Or is it forced retaliation? Show off of Experians muscles on my rights?

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 2022-08-28
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My son purchased a {$25.00} Vanilla Visa Gift Card at XXXX XXXX on XX/XX/22 at XXXX. He came home and went on the Vanillagift.com website to register his card. At that time it said there was a 30 minute period before the card could be activated. He checked the account online again and it said there was 17 minutes left and then it would be activated. When my son went back on the website, giving it extra time, the site indicated there was a pending transaction made at XXXX for the entire amount of the gift card of {$25.00} by XXXX XXXX XXXX. My son and I called the customer service number at Vanilla Visa to report that his card was somehow charged, at the exact time the funds would have been placed onto the card, when he did not use it yet. We were informed that we could have a hold placed on the card and that I should call back on XX/XX/22 to see if the merchant collected the money. At that point I would then be able to raise a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This isnt a repeat complaint. The company never answered my original complaint so I called your office and was told to submit a new complaint and make it simpler and just include the part they never answered. I was told by Chase mortgage that if I deferred my payment with the Pandemic deferment that I would not have to pay it back in one lump sum. I was told this several times by Chase employees. I am now being told it is due in one lump sum. XXXX $ due immediately. I even have done a lot of research online and XXXX XXXX web site says you will never have to pay it back in one lump sum. I will attach screen shots. My prior complaint Chase answers and says they asked XXXX  XXXX for a modification and that I was denied because of prior modifications and income which they list my income as XXXX XXXX Either way Im not asking for a modification. Im just asking for what I was originally told several times that my deferred payment be put to the end of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX ( Separated Spouse ) XXXX ) XXXX / XXXX XXXX ) Back in XX/XX/2021, there were 2 unauthorized wire transactions that was taken from my savings account. When I reported it to my bank ( XXXX ) as a fraudulent transaction they notified Capital One which is her bank that the money was sent to without my approval, and they proceeded to freeze her Capital One account. By doing so, XXXX was unable to withdraw the funds or utilize the funds which is good because it was fraudulently withdrawn from my XXXX account. My bank has reached out multiple times to Capital One to reallocate the funds back into my account but Capital One is being extremely difficult and from what it seems have took it upon themselves to close out her account and not return my money back to XXXX the original account. The grand total she took from me was {$18000.00} dollars. I truly need help with this ordeal please. I have a paper trail of information to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-09-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
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 have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: NV
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:
They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at XXXX XXXX XXXXXXXX  ( You'll need to create an account with XXXX and follow their steps. ) XXXX  will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX Member. 

Regards, XXXX XXXX Member Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX  site directly with XXXX  on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.

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