BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Affirm Holdings, Inc
State: UT
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:
I paid off an account with AFFIRM on XX/XX/2023. After not seeing it reported correctly in late XXXX, I submitted a dispute with XXXX. I even provided documentation. Affirm certified to XXXX that the info that they reported was correct which showed a balance. I disputed this 5 times with XXXX and all 5 times Affirm certified that their info was correct and not mine. Even with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TX
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:
This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX* Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 am writing to file a complaint against Credit Acceptance Corporation for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that Credit Acceptance Corporation immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX  in the amount of {$4600.00}. I have disputed this account with the company and also with XXXX, Transunion and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.

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 2018-04-11
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This CBE Group keeps calling but leaving no message. They call several times a day. I understand they are a debt collection agency. I do not have any debt and there is no one else in my household who owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
I want theses account deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Equifax and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXXXXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/XXXX and Equifax and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX XXXX and XXXX is reporting a high balance of {$1800.00} and Equifax is reporting nothing, Balanced owed XXXX and Equifax is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capitol one recently started allowing the transfer of their reward points to airline frequent flyer programs. Their points are valued by capital one at XXXX cent per point. I currently have XXXX points and change. Capital one sent me an email advising me of a unique opportunity to transfer to emirates airlines. Checking that they had a flight available for my dates, I initiated a transfer of XXXX miles. a day later I discovered that capital one reversed my transfer and restricted my online access. I was informed I needed to send the following pieces of information : Drivers license, SS card, Utility bill and Frequent flyer account screenshot. All of which was done immediately. Multiple representatives informed me of a XXXX - XXXXXXXX XXXX  resolution time to verify my identity and restore access. This was as of XX/XX/XXXX. It is now XX/XX/08 and I still don't have any resolution. Capital one keeps on informing me that they're reliant on a third party vendor to verify documents and until then they can't get the back end team to lift the restrictions. I can not use my credit card for any purchases in the meantime, nor can i manage my account online. Capital one has informed me that this may take as long as 4 months. I am flabbergasted that I can be subjected to such apparent abuse by a financial company who clearly is looking to get customers to forfeit their points rather than have customers redeem it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, XXXX, Trans Union reporting illegally aged account. 

XXXX XXXX XXXX XXXX  TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}

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 explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On Thursday, XX/XX/2021 I tried to access my credit report via XXXX  but received an error message that stated " A condition exists that prevents Experian from being able to accept my request ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.

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 2019-11-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a card from Chase bank on XXXX XXXX. I received an immediate approval and received the card in the mail 1 week later. Within that week, I also applied for other credit accounts. On XX/XX/XXXX ( just a few days after receiving the card and never having used it ) I was informed that the account was being closed because I applied for multiple OTHER cards. 

As a result of the account being closed I suffered the damage of having my credit score dropping due to the account being closed. 

I want this injury reversed by having the closed account removed from my credit report so that it does not continue to negatively effect my score in to the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Block, Inc.
State: IN
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:
I rented a room at the XXXX XXXX in XXXX, GA on XX/XX/2033 and as of XX/XX/2023 funds XXXX pending and cash app will not release unless XXXX XXXX submits something in writing and when I contact the best western I stayed at, the front desk said theyve never had to do that and that since its pending it is on cash app to release funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had sufficient funds for the purchases and my bank took me into overdraft

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 2018-04-04
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: Was not notified of investigation status or results

Complaint:
I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/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 2019-11-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Ally on Friday XX/XX/XXXX after falling behind on payments due to being out of work for a short period of time due to an illness. I chated with a representative after logging into my account regarding my opitions to ensure I protect my credit and bring my account current. 

She advised me that before an extenstion could be done, I had to make a payment in the amount of {$270.00}. I reviewed my finances, as I am playing catch up on all my bills and made this payment on Monday XX/XX/XXXX. This rep advised me, once this payment posts to my account to contact Ally back for an extention or to have a payment deffered to the end of my loan. 

With this in mind, I contacted Ally again today and chatted with XXXX. I explained all of the above and the information I was provided when I chatted with the rep last week. She asked several questions and advised me that a one or two month  extension/deffered payment could be done however partial payment is needed! WHAT? She advised me {$230.00} or there abouts would be due within 10 days from me accepting the agreement and then the remaining bal of {$150.00} or there abouts would be due in XX/XX/XXXX. In XX/XX/XXXX, my payments of {$380.00} per month would resume. 

If this was the case, I SHOULD HAVE JUST BEEN OFFERED THIS WHEN I JUST MADE MY PAYMENT so that I could catch up on my bills. 

This company was working with XXXX in New Jersey which has since closed most likely due to illegal practices, they changed my loan company to this company after I had signed paperwork for another, kill you with interest rates and has NEVER once considered refiancing my vechile for a lower interest rate ( due to the age of the vechile other companies will not take it ) and THEY DO NOT WORK WITH YOU!

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 2019-11-01
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The CRA is showing a collections account for {$130.00}. 

I spoke with the company in XX/XX/XXXXbecause information appeared on my credit report that was new. I asked the company to validate the information but they refused I spoke with XXXX XXXX on XX/XX/XXXX and explained that I DID NOT RECEIVE a letter and notice to dispute the account because the collection agency sent information to the wrong address. The collection agency failed to provide validation of the debt and continues to report inaccurate information to the credit bureaus. XXXX XXXX stated that there was another account with my name for {$530.00}. When I asked her where she had sent the notice she refused to state the date and the address that the notice was sent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit 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 U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -NAVY FCU XX/XX/XXXX -BK OF XXXX XX/XX/XXXX -CAPITALONE 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 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 an 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 explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted an investigation before but capital one keep reporting my account as charged off and I have settled that balance in XXXX. They have updated the balance but they keep reporting the card charged off even though it is settled.

Company response to consumer: Closed with explanation