BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have a capital one credit card. Due to COVID19 I have been laid off. 
My credit card payment was late. I called and requested a goodwill adjustment they refused. I have a good payment history and due to this late payment my credit score took a hit. Ive already paid the full balance of the credit card, and I am requesting that it be taken off of my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXXXXXX acct # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello PORTFOLIO RECOVERY is damaging my credit reports by publishing this ( attached ) accounts which statute of limitation passed. 

Our ( my family ) economic situation because of Covid-19 is dire. I need to clear my credit of negative accounts. 

PORTFOLIO RECOVERY has no lawful right on this debt because XXXX XXXX discharged this account with the IRS and now I awe taxes on the debt, on top of that the statute of limitation to collect the debt has already passed. 

They refused to remove this collections from my credit and I don't know what to do. 
They're operating un fraudulent processes and it's abusive to consumers. 

I hope you can help me remove this 2 collections from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit 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:
On XX/XX/2023 I went to the Chase Bank XXXX XXXX XXXX XXXX, CO to apply for the Chase Sapphire XXXX ( XXXX ) in branch offer - XXXX point ; XXXX after {$4000.00} after in 3 months of spending, and XXXX additional points after {$6000.00} total spending. I met {$6900.00} worth of spend within XXXX billing cycles ( XXXX days ). However, only the public XXXX offer of XXXX points posted. I inquire both in my Chase secure message portal and with the banker where I applied " in-branch ''. Neither was able to match, honor, or provide a courtesy adjustment for the remaining XXXX points. Of note, the in-branch banker reported technical difficulties with the offer. They ended up sending me a link to apply for the credit card on my phone. I inquired if this would be an issue and was reassured by the banker that this would not a problem ( the full points should post no problem ). I was also reassured that if there was a problem, they would later be able to rectify the issue and adjust the points ( XXXX? ) later. So far, nearly 90 days later, this has not been the case. The branch banker has reportedly taken details notes on this issue. The issue was escalated by me and the banker and it was still determined that there was no recourse for resolution. So this at least falls under : XXXX ) some kind of technical mismanagement of the company, or XXXX ) borderline fraud/false advertising or promises related to the promotional offer. And a general lack of courtesy, consideration, etc. to the customer. I have been a mostly pleased, profitable customer until now. Reconsidering that business/relationship now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX is an elaborate mechanism under federal law and is supposed to operate under the FCRA. In fact, they have violated me under the FCRA in numerous occasions regarding a fraudulent inquiry on my report. They did not meet the specific time required to verify disputed item according to the FCRA and willingly refused to remove the unverifiable inquiry off of my reputation causing me severe harm and anguish. I was denied credit when i wished to extend my credit and i was denied a loan amount because of their inaccurate and unverifiable reckless reporting without my written consent. Now they have deleted said fraud inquiry off of my reputation which is admission but have failed to pay me remedy under 15 USC 1681n and 15 USC 1681o and are responding to me as if they have no idea what i am talking about, I feel lack of confidence in the banking system, i feel hurt, XXXXXXXX XXXX XXXX, lack of focus in my day to day life causing me XXXX XXXX daily because of the violations of EQUIFAX on me the consumer and original creditor. Below are the case numbers to this matter they are trying to ignore : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-08-07
Company: GOLDEN 1 CREDIT UNION, THE
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:
I was flagged as having a delinquent account with the Golden 1 Credit Union for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the Golden 1 Credit Union and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the Golden 1 Credit Union multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through XXXX in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: MO
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:
This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: UT
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:
Im in the process of terminating my contract with XXXX XXXX XXXX XXXX due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the XXXX been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1- Lied about ease and availability for any and all units in the XXXX  family. We have never been able to book any XXXX  property using the service we paid. 

2- Promised us One on one service for booking our first visit, never had a callback from our salesperson after our initial meeting.

3- We were promised a period of stay at our " home '' property and were never able to use.

4- We were told the unit would earn value but when we tried to resolve with XXXX, they were only going to buy back at a seriously depreciated " title '' and additional fees. 

5. Paid then over XXXX and never used properties.

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 2021-10-26
Company: Google Compare Credit Cards Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
on date .XXXX ... some call tell my that if i send {$200.00} they send certain amount of money and ibuy a gift card google play and i send them..hes.fhone call he calls for 3 diferents numbers. ; XXXX -- -XXXX -- -- XXXX -- ihope get my money back because im unemploy and i need my refund..tnkyou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. XXXX XXXX and Equifax. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from XXXX XXXX and Equifax with no changes to my reports To : XXXX -- -Equifax XXXX -- XXXX XXXX : XXXX XXXX  -- -- XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with experian equifax and XXXX. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has XXXX  and another account has experian and equifax. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the ramsgate address for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

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 2023-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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

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 2020-08-07
Company: EQUIFAX, INC.
State: GA
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:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice an negative item from franklin collection since XX/XX/2020, and have been dealing with them with no reply, i sent letters in XXXX and XXXX and noone from the company has ever gotten back to me concerning this alleged debt and its real sickening for them not to care and cause me such grief. please assist me in this matter.i have attach letters that i sent to the collection company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX a salesman from XXXX named XXXX XXXX ( not sure of last name spelling ) came into my place of business trying to get people to switch to XXXX. I spoke to him and was interested in getting a little more info. He asked me to fill out a form, which I did after asking him if they would be performing a credit check. He informed me no credit check would be done. I filled out the form and he was on his cell phone. He handed me the phone and told me I needed to verify my information. I got on the phone and after talking to the person on there found out this was to do a credit check. I informed the man on the phone that I asked XXXX if they would be doing a credit check and he told me " no ''. I told the man on the phone I did not want my credit pulled and to stop the process. Yesterday ( XX/XX/XXXX ) I receive a letter from XXXX XXXX dated XX/XX/XXXX telling me, " As you may remember, when you requested service at XXXX, we ran a credit check which resulted in a score where you may have to pay a deposit or downpayment ... ''. I was furious as I told both people that I did not want my credit pulled as I am trying to bring my credit back up. I called XXXX today ( XX/XX/XXXX ) to complain and was hung up on by first person. Second person gave me the information for your company to contact to file a complaint. So this is what i am doing at this time. I want to file a complaint on both men and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation