BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NM
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:
This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid our account literally ONE HOUR late. 

They charged us {$25.00} and I called twice to have them rebate it and they would n't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: CO
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:
I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX  XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i noticed on my credit report XXXX XXXX XXXX  account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX  Transunion and XXXX. first off XXXX doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in 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 2020-11-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Experian report has multiple inaccurate demographic info. It causes issues with any application. It also contains inaccurate balance info on at least one account. 
I have tried disputing online, but, and this is not a joke or exaggeration, I've been getting " technical error, try later " for close to two years. 
In order to dispute via mail, I'd have to send copies of drivers license, social security card, and utility bill. Given CRAs poor track record in keeping information secure, I do not find this to be a viable option. 
I have paid Experian monitoring, they take payment every month, I'm not being asked to verify each month who I am. 
It makes no sense that they can not figure this out. 
I've also been unable to access Free Annual Credit report online due to same technical error. 
Since my vision is pretty limited, playing mail game is really not fair. 
Additionally, as immunosuppressed person, i shouldn't have to go to post office and stand in lines. 
I've visited XXXX XXXX  website ( and associated forum ) where many are reporting same issue Do they really get to act with such impunity while causing us loses? 
I can not get approved if my information doesn't match what's on file, I can not do online dispute what's on file, nor my vision allows playing pan pals. Online I can at least use screen reader.

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife 's credit card was stolen around XX/XX/XXXX and I thought my card had gotten hacked and called company to make report without knowledge of my wife 's card being stolen and explain to them my card had gotten hacked, cause that's what I thought so they reversed the amount and now a month later that reinstated the amount of XXXX which was what was stolen. They said my claim was declined because the card was present and I proceeded to explain the reason why it was present. They said they will reopen the investigation but will not remove the amount until then. Please advise me on where I can go to get this removed

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 2021-09-22
Company: NCSPLUS INCORPORATED
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was paid some time ago. Yet, every month, or less frequently, National Credit Systems UPDATES the account as if new information/payment was processed, and reports new dates ( with the last reporting being XX/XX/2021 ), thus having a significantly negative impact on my credit profile and score ratings. Continually reporting that an account has been updated, when it has not, technically constitutes still attempting to collect on a paid debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - 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 explanation
Consumer complaint received 2017-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I applied for American Express XXXX XXXX XXXX credit card. They promotion they were advertising at the time was if you spend {$2000.00} in within the first 3 months you will receive XXXX bonus miles and if you spend and addiontal {$1000.00} within 6 months you will get an additional XXXX miles which would equal XXXX miles altogether. Also if you make a XXXX purchase you will get a {$50.00} statement credit. This promotion expired on XX/XX/XXXX. 
My first statement was cut in XX/XX/XXXX and I saw the I was given XXXX bonus miles before I spent {$2000.00}. I called XXXX to find out why I was given these miles and to find out more information in regards to how the program worked. He explained to me that I was under the promotion if I spend {$1000.00} in the first 3 months I would get XXXX miles. I explained to him that was not the promotion when I applied and explained the miles my account is supposed to be under. He told me he does not see anything about that promotion for my account and asked if I have proof about the promotion? How are you asking me if I have proof? I would think XXXX would keep track of these programs and apply them accordingly to each customer that qualifies. When I received my credit card there no documentation of the promotion. 
After going back and forth he told me that an investigation would need to be opened to find out the issue. I have read online that numerous customers have had this issue and kept giving them the run around about opening a investigation and that it should be completed in 6-8 weeks, they have stated they are still waiting on their miles after 1 year of the initial investigation. 
I have already reached the {$2000.00} limit and I would like my account to be put under that promotion and receive everything the promotion stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AR Resources, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the AR Resouces Agency through this site already and their response was that the an incorporation in PA, holding the same name, holds my debt. I have contacted the Credit Bureau Companies and they have informed me it is the agency from FL. I want written validation and contact from this agency claiming I owe a debt from an institute where it was stated it originated. The originating institute has no record of this owed debt or of giving this nonexistent account to debt collections. 
The only way I found out I had this debt, is it appeared on my credit score after being open for 2 hrs and I have received no contact or notification from any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express responded by demanding 29.99 % interest for six months and sending two inches of " reprints '' of bills of questionable accuracy. While I review these, I have sent the following response : Dear XXXX XXXX : Thank you for your letter. You mention the card-holder agreement. The problem with your frequent changes to the agreement is that you send it in such small print and on such a short piece of paper that it falls away from the statement and is unreadable when retrieved. It can not be that American Express is lacking paper, because you often enclose a full page with a representation of store fronts and the statement about more merchants accepting the card on only one side and on the top three inches of the page! 
Your letter informed me that American Express intends to charge me 29.99 % for six months. I had received a letter dated XX/XX/2017, informing me that I would NOT be charged your 30 % interest. I do not agree to pay such an outrageous amount! 
The price of a box of crackers has gone from {$1.00} to {$3.00}! The co-payment on medication has gone from {$75.00} to {$500.00}! It is impossible to pay such outrageous interest and still have shelter, food, and medication. 
If a consumer goes to a debt-consolidation firm, American Express will receive less that the amount owed, and the consumer will pay more in the long run. If the consumer is forced into bankruptcy, American Express will receive pennies on the dollar! 
When I called the payment number on the fifth, I was informed, " No payment is due. '' I paid {$1000.00} you billed me on XX/XX/XXXX. I want all the overcharges of 29.9 % removed from all bills and reflected in the total amount due!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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 XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 - Account is involved in litigation. This account is being disputed for the reason previously stated.

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 2018-03-20
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX we received an automated message ( XXXX ) from XXXX XXXX XXXX for XXXX XXXX asking him to call XXXX and reference Acct # XXXX with zip code XXXX. 

We tried to reach out to the company to have them stop calling us but the calls could not go through

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : 1XXXXXXXX XXXX- acct # XXXX XXXX ohio dept of human serv- acct # XXXX 3. XXXX XXXX XXXX- acct # 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 2021-09-22
Company: CORELOGIC INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.

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 2018-03-15
Company: DISCOVER BANK
State: CO
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:
I have called Discover several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ i XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX have pulled a recent credit report on my self and noticed under personal information on my credit report it is saying : This address has pertained to a business : XXXX XXXX SOUTH XXXX XXXX XXXX CO XXXX as well as FINANCE-INSUR.-REAL EST. XXXX. : XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX I have no connection with this information reported under my name, I have contacted one of the credit bureaus Experian to try to dispute this innacurate reporting and they informed me there is nothing they can do an no information on why it is there and where its coming from. I have not lived at any address connected to XXXX XXXX XXXXh XXXX XXXX since prior to XX/XX/2019 my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I have attached my credit report from experian showing my personal information, I have also uploaded my ID and proof of address for verification purposes.

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
{$200.00} Cash Cruise Deposit with XXXX XXXX XXXX XXXX and Bank of America which they refuse to refund me. 

Submitted request to Office of the Comptroller and Currencycase XXXX. They in turn forwarded request to your office. 

Thank You, 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 2020-04-30
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I pulled a copy of my credit report and notice Cavalry along with some other negative accounts that i was not familiar with reporting to the 3 major credit bureaus XXXX, XXXX and XXXX. So I sent a letter to the bureaus asking them to do an investigation. 

The bureaus responded XX/XX/XXXX. They corrected and deleted all the questionable accounts except Cavalry. They said Cavalry has verified that the account is accurate and it belongs on my credit report. So XX/XX/XXXX I wrote a letter disputing the account with Calvary asking them for a copy of the contract I signed with them along with some other pertinent documentation as proof that this account is mine. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Cavalry sent me a bunch of computer generated statements they created stating that was the proof that the account belong to me. None of the documentation they sent had my signature and all the pertinent documentation I requested to further prove the account belong to me was not sent. 

On XX/XX/XXXX I again sent a letter letting them know that they are in clear violation of the fcra and fdcpa and should cease reporting to the bureaus because they are trying to collect a debt that does not belong to me. 

They responded 4 days later XXXX XXXX XXXX with another computer generated letter stating that they have verified the account. 

I will be attaching 1. response from XXXX stating that Calvary verified the account as accurate 2. first dispute letter sent to Calvary 3. response to first dispute letter 4. second dispute letter sent to Calvary 5. response to second dispute letter sent to Calvary

Company response to consumer: Closed with explanation