BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account 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 2018-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX, XXXX XXXX XXXX, XXXX XXXX repair all started from trying to help me with housing then wanted to do a credit check placed hard inquirys I'm still homeless I've paid for inquiries I didn't do when I'm trying to astblish credit, I'm not looking for cars when my license are suppended these address es listed don't add up I'm tired of payments with auto pay nothing is beIN done period I wrote letters an etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Subject : Complaint Against Capital One Regarding Reporting Inaccuracies and Lack of Assistance During Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting on my account # XXXX. Capital One has reported three consecutive months of late payments for XXXX, XXXX, and XX/XX/2023, despite my efforts to make partial payments due to unforeseen financial hardship that significantly affected my ability to meet the minimum payment requirements. 

During this challenging period, I communicated my financial hardship to Capital One in XXXX, XXXX, and XX/XX/2023 and attempted to manage my payments to the best of my ability, albeit below the stipulated minimum amounts. Regrettably, Capital One did not provide meaningful assistance or accommodations until three months later, offering a lowered payment and interest rate, which could have significantly alleviated my financial burden during the critical months of XXXX through XX/XX/2023. 

Enclosed with this letter are documents supporting my claim, including communication records with Capital One and financial statements demonstrating the hardship I faced during the disputed period. These documents serve as evidence of the challenges I encountered and my attempts to manage my obligations during this time. 

I believe Capital One 's delayed assistance and inaccurate reporting violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX Reform and Consumer Protection Act, which safeguard consumers from unfair treatment and inaccurate reporting by financial institutions during times of financial hardship. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I am seeking a fair resolution that includes a review of the inaccurately reported late payments and the lack of timely assistance provided by Capital One when I struggled to meet my financial obligations. 

I appreciate your prompt attention to this matter and kindly request updates regarding the investigation 's progress. I am willing to provide any further information or documentation necessary to facilitate a swift resolution. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Army and Air Force Exchange Service
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've reached out to Military Star and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : AAFES/MILITARY STAR Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/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
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2023-12-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have repeatedly requested to cancel the XXXX XXXX that I purchased from XXXX XXXX  on XX/XX/23. Since I have 5 days to request a refund from my initial purchase, I sent an email with intent to cancel my membership on XX/XX/23 and again on XX/XX/23. I requested that the business refund my initial deposit of the {$1800.00}. Following up to my email, I called the XXXX XXXX phone line on both days, at ( XXXX ) XXXX. The first representative told me that their inbox was full and to try again at a later time. The second representative told me to give them 5 days to respond. I never received a response from them regarding refunding my money, until XXXX month after I filed a dispute with my bank. The reply came from a man named XXXX XXXX XXXX on XX/XX/23 and it did not address their lack of response the previous month. XXXX only emailed me to say that his legal department would be in touch with my bank. Since my money was never refunded and I never heard from them since, I have no choice but to start the process of taking legal action. It should only take one message to a business in the appropriate timeframe, for them to acknowledge that I am due a refund, especially since I was a hotel guest at the time. The disorganization of this business is not myjurisdication, but it should no longer be my burden.

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 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation. 
On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. 

Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
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:
I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report.

These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization.

I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' ( Furnisher of information to credit agencies ) The financial institutions and Consumer Reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from TransUnion, XXXX, and 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 2023-12-12
Company: JPMORGAN CHASE & CO.
State: WV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX at approximately XXXX my vehicle was unlawfully repossessed at my apartment. The repossession company hired by my lender Chase bank approved this repossession company tokeep my vehicle after I clearly stated an objection to the repossession. My vehicle was in parked and running when a white pickup truck pulled up and took my vehicle. They took my keys that was inside of the vehicle while the vehicle was running. The driver was immediately informed that I the consumer was objecting to the repossession. Clearly demanded the return of my automobile the driver evaded my respectful request. I was at a safe distance from the vehicle gratefully as this driver was driving and moving at an alarming rate. This repossession was illegal for several reasons as I am sure it was a forceful attempt. An attempt that threatened the safety of myself and others around. Im asking the vehicle be released to me immediately. This company has made it clear they will not let me have my personal property from inside the vehicle. In attempts to avoid legal action on this repossession company and Chase bank as well. Unlawful repossession is highly subject to lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update the following inaccurate items in my report : 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

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 2020-01-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 ACE CASH EXPRESS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2020 The company above or, people working through them, fraudulently made a Regular Inquiry. XXXX XXXX says this was a hard credit request. They updated my Employer to XXXX XXXX. I have never worked at XXXX XXXX. 
In any case, I do not know who this company is, and I have not applied for any credit in over a year. When I called the number above, I got some kind of hard medical sales pitch. 
XX/XX/2020 XXXX XXXX Credit Card Services notified me that XXXX individuals had been listed as new authorized users. They would not tell me who these individuals are. I cancelled the account. No fraudulent charges were made. 
XX/XX/2020 Filed a XXXX XXXX with Credit Bureau XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 2023-02-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX/XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$460.00} XXXX XXXXXXXX XXXX  : {$460.00} XXXX XXXX XXXX  : {$860.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$86.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}

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