BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Hello EXPERIAN, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 120 DAYS LATE XXXX XXXX XXXX XXXX XXXX CLOSED ( WAS NEVER THE COSIGNER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX CLOSED U S DEPT OF ED XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from my credit report.

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 2023-02-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I sent money using Remitly ( https : //www.remitly.com/au/en/philippines ) last XXXX XXXX. on the next day I noticed remitly double charged my account without my authorization. They mentioned that their payment portal is on error. After few days, they refunded my money from the double charge but I had overdrawn fee from my bank/ I requested refund of {$15.00} from remitly to my bank account - but remitly failed to do so. I made lots of communication to remitly but don't want to process the refund - in the first place its them caused this trouble. 

Can you please help me as I know there are lots of remitly user had experienced this as well. 

Please contact me in my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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 filed a dispute in regards on incorrect information on my credit report, and it has been well over XXXX. I haven't received any investigation information regarding my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Valor Intelligent Processing, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Valor Intelligent Processing is collecting a debt from XXXX. They say they are a XXXX party collection agency for XXXX, they told me they could settle the debt but they wouldn't let me pay for delete. When I questioned it they said things like, we can help you fix your credit if you pay this off today. I wish you would request the phone recording because what they did was either bad or in a very dark part of the grey area. Oh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, my wife ( XXXX XXXX ) and I had an auto loan go into default with GM Financial. After the vehicle was auctioned, I still had an unresolved balance owed to GM Financial for the remainder on the finance contract. 

I contacted GM Financial this fall, and learned the matter was being handled by a law firm named XXXX XXXX XXXX. I was able to negotiate a settlement with the attorney for the remaining balance, and I funded this settlement on XXXX XXXX, XXXX. I am attaching a copy of the written settlement arrangement from the attorney, as well as our receipt showing the arrangement was paid as we have agreed. 

Move forward to today, and GM Financial is still reporting to XXXX, XXXX, and XXXX XXXX that we still owe them almost {$7000.00}. We have disputed the account at least three times with the credit bureaus, but GM Financial continues to tell the credit bureaus that we have an outstanding balance. As mentioned before, I am attaching the documentation proving that this matter has been legally resolved for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with you back in XXXX, XXXX, against Loancare LLC. The complaint number was XXXX. You had taken care of it and closed the file. Well guess what it 's not taken care of. Loancare is trying to charge me again for the money I already paid them. Also, they put the amount on my credit report with Equifax in the amount of {$100000.00} dollars, on XXXX. It 's no doubt listed with the other credit bureaus as well. My mortgage is currently under at {$100000.00}, according to my last statement from them. I am currently receiving assistance from XXXX XXXX XXXX, maybe that 's why they 're trying to rip me off again. Also they are raising my monthly payment from {$890.00}, to {$920.00}. I called them on XXXX, the girl I talked to fed me some BS, and tried to justify the increase. She wants me to send her a copy of my credit report.

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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Want to file a CFPB complaint against Bank of America Credit Card Services for misleading, confusing, and unexplained interest rates increases that dates all the way back to XXXX XX/XX/XXXX when I first opened this credit card account with Bank of America. During the years between XXXX and XXXX half of my annual income was cut in half and I was not able to pay my credit payments to Bank of America, around XX/XX/XXXX I reached out to Bank of America Credit Card Services for assistance in forbearance or secured credit card insurance plan, but was given the runaround and not assisted for a forbearance or secured credit card insurance plan. Then on XXXX XX/XX/XXXX I was forced to file XXXX  XXXX Bankruptcy, because Bank of America Credit Card Services didnt properly assist me at getting a forbearance or secured credit card insurance plan, so therefore I should be refunded for about {$5000.00} to {$6500.00} dollars for misleading, confusing, and unexplained interest rate increases that dates all the way back to 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 2021-09-17
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
After American Express posted their interest charge to my credit card account, the very same day they proceeded to report my credit card status as " over the limit '' which dropped my credit score 25 points. The 2nd day after this event occurred, I paid the over the limit amount which reduced the balance below the limit. More than a week later, my account is still being reported as " over the limit ''. Therefore, an update to the credit reporting bureaus must be done immediately ( as quick as they were to report the over the limit status would be fair ) to reflect an accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: JPMORGAN CHASE & CO.
State: VA
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:
JPMCB, XXXX XXXX and Amazon are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and XXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: SC
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:
HELP I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called TransUnion credit bureau and they are unwilling to verify my identity over the phone and they keep repeating to me asking me to mail documents in and I'm getting sick of it I want a free annual credit report and a courtesy credit report spaced apart to check for accuracy and inaccuracies.

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 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XX/XX/XXXX or XX/XX/XXXX I had an emergency and needed a cash advance. Wrong PIN number or what have you. I called Capital One and got a customer service rep I could not understand to begin with. Was in a rush and we didnt agree on the small. XX/XX/XXXX I get a letter in the mail BOTH my accounts ending in XXXX and XXXX were closed without reason I ve made payments on time and much more then minimum on my mail statements. Neither card shows up in my overall XXXX  XXXX  accounts might I add other then closed. Today m going through my junk email I see I missed a payment for account ending in XXXX. So I walked and immediately paid it off, XXXX balance. I ask about my other account and all of a sudden phone communications go down. Static, they cant locate my XXXX account. I immediately tell them that yall have nothing on me, both my accounts have been closed so attempting to threaten me again isnt an option. Im trying to pay this off here and now. Im redirected. Female cant locate my XXXX account but see I just literally paid off my XXXX account. Long story short I cant get a pay off amount and she starts going in and out of service. I have XXXX, XXXX, XXXX to name a few and never had an issues like this the past year or EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX  per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

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 2023-07-13
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX 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 an 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 or 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NJ
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 assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to XXXX with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.

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